<prompt> Human: Right now Im working part-time, so I dont have a ton of income I can put maybe 100 per month towards savings right now - what account should I choose?My options are:Traditional investment accountRoth IRA accountTraditional IRA accountI dont currently have any retirement savings, so I cant roll over a 401K.What is an IRA and how is it better than just buying index funds?  <response>: An IRA is an account type that gives you tax benefit. You can and should use it to hold index funds.You want a Roth IRA as you describe it. 