<prompt> Human: I just opened myself a Roth IRA account to start saving for retirement since Im a grad student and dont have a retirement account through working for a company. I put some money into it, but Im not sure what I should do next. Just let it sit there? Ill add to it monthly, but should I be doing something else?  <response>: Youll need to choose something to invest in. Target Date retirement funds are a good place to start and will diversify you and be relatively low cost. After that let it sit and max out your IRA 5,500 per year if that is feasible. 