<prompt> Human: Im 34, I make 67k, my wife is 26, she makes 44k. I have no retirement savings, and my company wont match for another year as Im a new hire. Wife has 6 matching at her job, which she pays into. We have an emergency fund and our mortgage is only about 700 a month. No kids as yet.What should I do to start saving for retirement? Vanguard target retirement fund? How much cash do I need to start one? Roth IRA? Where do I start one?Any and all advice appreciated.  <response>: Better late than never. Youre in good standing with an emergency fund. Any other student loan or credit card debt? If so, pay that off first.Next step is to match any 401ks, which you are doing with your wifes. Yours, Id skip as they do not match. Id then do a Rother IRA in your name and your wifes name if you have the funds. 5500 each max last year. Should be upping it this year. So 11k opportunity there.Fidelity or Vanguard are the usual. 3k minimum to start on most funds. Some are smaller in the 1k range for certain funds I believe. 