<prompt> Human: I need to start an IRA of some sort, 27 years old and finally in a position to start this. As stated my boss at work is hooked up with this company called primerica investing. he first tried to rope me into becoming an insurance agent or a minion for him rather, promised unlimited ability for money and financial independence . It smells like a scam to me, and I dont like risk at all. I am a fleet mechanic for a refuse company, I make about 40-45k and Ive only been here for two years so that number is going to top out at like 60k after a few years after I get certs and all that. my toolbox is paid for interest free mind you, 6 month payoff I only have about 1k in debt on the tooltruck no interest, paying 75 a wk on that and I save 125 a week to an account I can only access by going inside the bank. and I rent a modest house with a roommate and live very modestly. I told him pass on the minion position, but I would like to know more about getting an IRA. Here comes the sales pitch with they Will take care of everything , all I have to do is feed them money.I have a family friend that used to run his own insurance office and is now on the board of trustees at a local bank or something like that. I would feel infinitely more comfortable going to him for advice rather than my boss who has only had his license for about two years.TLDR: confused as HELL and actually quite scared of investing.  <response>: Primerica is absolutely terrible - you are right in that it is a multilevel marketing company - your boss is trying to recruit you to sell Primerica so he can make commissions off you. Run for the hills.Instead, open an IRA with Vanguard. Even if you dont know what to invest in right now, get the money into a MM account each tax year.For what its worth, your boss would make about 10 commission on selling you Primerica funds. 