<prompt> Human: So Im a 22 year old mechanic not making great money and my employer doesnt offer a 401k, Ive heard you can open up your own account but I have no idea how to do it. Can anyone help point me in the right direction as to who has a service that can help me out? Im in central California if that makes a difference. Assistant: How much are you looking at putting away a year? A Roth IRA may be a better fit for you...Human: Just enough to get by with bills and everything. I recently got a 1.50 raise and I was thinking about putting everything that I gained from that into the 401k about 100 every 2 weeks. Do you think thats good enough to start with? Edit: also whats the difference between the Roth and the vanguard and schwab?  <response>: Saving about 2500 a year at 22 is a good start. Most people dont start that early. As you make more you should increase that amount though. 