<prompt> Human: I am considering opening a Roth IRA, but I am struggling with the decision. I know that it is math and at my age, 25, it is a no brainer for compounding over 40 years, and can potentially grow, with regular contributions to 1-2 million. But at that age, Ill be 65 or 70...it wont matter anyway. Life would be good for what, 10 more years before disease and illness take over? Ill be too old to enjoy it. and my best years will be behind me. It is a bit of a psychological barrier because I have immediate goals in the next 5-10 years that 5K a year will be a huge help to attain. There are some other things for old people to rely on such as inheritance and social security I know people will say its going to run out, but cmon, not gonna happen, that would lead to the mass deaths of millions of elderly. Society wont let it happen. Well, your thoughts?  <response>: Then dont put in 5k. Put in 1-2k. 