<prompt> Human: I was wondering if it would be a smart move to start a Roth IRA for my son. Hes 20, working, no benes. My wife and I came into inheritance recently, but dont want to just give him the money at this point of his life. Very responsible kid, just weighing options.  <response>: Thats what my husbands dad is doing for him. Every year, he gives my husband a check to go into his Roth IRA. I think its a good way for him to distribute some of his stored wealth, and clearly it will be helpful for us in the future. 