<prompt> Human: Hello, Personal Finance. I may not be the brightest light bulb in the room, but I want to make sure that Im OKAY in the future. I was never taught by anyone how to invest, save, or plan for retirement when I physically cant work anymore.I live in Florida and have a low-income job. I make 9 dollars and hour at 39 hours a week. Im SUPPOSED to receive a raise, according to boss, but I havent seen it yet. Since my education isnt that great High school drop out.. Biggest mistake in my life and I dont really have any skills that I can pursue a career with. I dont see myself getting a higher paid job in the foreseeable future. Who knows though?Anyway!I still live with Mom. I actually bought a house with her. Well, I helped her get a mortgage with my credit 748 so I co-own the house with her. Figured since I cant make it on my own with my current job situation, might as well. The house was 150,000 dollars and we pay 1,000 a month for mortgage. Weve been here going on two years now.What I am currently doing to save money is that every paycheck I am taking 100 dollars and putting it in a separate bank account. So depending on how many times I am paid a month, I am putting 200 to 300 dollars away. I have not a clue how 401k, or that Roth stuff works. Yes, I have googled it and even after briefly reading about it.. Still unsure how I go about starting one, or which one is best for my situation.Im just looking for some tipsadvice. Thank you for reading.  <response>: 1. Continue working, start putting 10-15, if you can afford to into an IRA.2. GO GET YOUR GED3. Look into a trade school, find something youd be interested in. Plumbing, electrical, HVAC, construction, landscape, mechanic. Any number of options where you can make more money. You dont have to be the brightest bulb as you say, but you can always learn a trade to make a better living for yourself and your family.4. Continue working in your new trade, put 10-15 away in a IRA. Contribute 5500 a year into a Roth. 