<prompt> Human: To be clear, the reimbursement only covers a very small amount for personal expenses About 100. I am not gaining income and therefore exist below the poverty line. This means I dont file taxes. I do have some savings that is just sitting there though. Besides emergency fund, is IRA a poor decision since it offsets taxes which Im not paying?  <response>: You can only contribute to an IRA if you have earned income. You dont. 