<prompt> Human: Im 18 years old and I am thinking about opening a Roth IRA target date fund. I would only be able to put in about 3000 today, and wouldnt really be able to make that many contributions to it. Was wondering if it was still worth doing this even though I wouldnt be maxing it out.  <response>: 3000 is better than 0. 3000at 18 is better than 3000 at 28 