<prompt> Human: Im a 19 year old still in college, and Ill probably make around 4,000-5,000 this summer through an internship, babysitting, and selling on ebay. I plan to keep 1,500 for savingsemergency, and another 500 for frivolous spending for the upcoming year in college. Ive given around 1,000 to my parents to pay them back for things Ive purchased and to help them with their debt. Ill probably have around 1,000 by the end of the summer, and I wanted to start contributing to a Roth IRA since everyone says its important to start early. Does it make sense to contribute to a Roth IRA with 1,000? I wont have any means of income throughout the school year, so I was hoping to just let the money sit and grow. Who should I open the Roth IRA with in my situation?  <response>: You have no debt at all from college? 