<prompt> Human: Little preface. 23 year old Police Officer. My salary is 70k now and will go up to around 95k by the time Im 28-29 years old. This is before over time and will most likely be able to pull six figures after over time is counted before I maxed out. I have 16k in savings right now because I suck at budgeting New Years resolution working on it. I already pay 10 of my salary into the pension system which Ill be able to pull after 28 more years. Ill get 65 of my highest salary for the rest of my life. I know police pensions cant always be trusted to be there thats why Im looking at other avenues. Basically looking for an IRA where I can dump the max 5500 into every year and forget about it. Im open to suggestions. I have no debt other than 7.8k on my car and no rent because I still live at home. Which IRAs do you guys have and how do you like them? Are they easy to set up? Assistant: Human: So vanguardschwab?  <response>: You can go with either. Vanguard is the industry leader and basically forced everybody else to compete with them. I recommend them. 