<prompt> Human: Hi rpersonalfinance,Im a 17 yr old hs senior living in California and my uncle recently has been pushing for me to open a retirement account. Now, its definitely somrthing I wanna do but my uncle is known for being just a little bit off his rocker. He doesnt make the best decisions ever and I dont know if I should trust him. What should I know when opening up a retirement account? Thanks.  <response>: You are 17. You cant open any accounts without a parent or guardian to sign. So the conversation is over right there. 