<prompt> Human: I recently received my first real paycheck and am determined to be financially responsible and start saving from the start. Any thoughts on the best savings strategy for a millennial just starting to save for retirement? IRA? CD? Savings account? Im new to all of this... How much does the fact that theyre pre or post tax affect my investment?  <response>: Please read through the sidebar - starting with how to handle and Im assuming the 18-25 section. If youre on mobile itll be in the sub information section. 