<prompt> Human: How do I start saving for retirement? As a grad student then postdoc, there is nothing offered by my work, and I dont make much. It might be a few years before I start earning more. Where do I start?Thanks guys!  <response>: I never figured this out as a grad student, and I left with an MS when i was 27. Id recommend a RothIRA, which may be your best bet - if any of that is earned income.Otherwise, dont worry about it too much. 