<prompt> Human: So I am 23 years old, I work for an investment firm in NYC, and I was thinking about opening up a Roth IRA at the firm that I work at. However, I just feel that there is a possibility of either a market crash or a crash of the USD. With that being said, I do not really want to go through with opening a Roth IRA, and would like to know if there are better things to invest my money in.Any tips?Thanks in advance.  <response>: Every crash is a wash on a 10 year horizon. Your best move is to put your money into an index and let it ride. Historically gold performs well during downturns, but this would be risky given how volatile gold can be. 