<prompt> Human: Hello All,I am currently 26 and about to go back into school. Most of my current savings will be going to the courses I am about to take because I am not sure how much financial aid I will get these are pre-req courses to get into Med School. I will be working full time while I take courses but my pay check will most likely go toward rent, living expenses, undergrad loans, etc and I will not have much extra to contribute to a retirement fund should I open one up. Is it worth starting an account now or will I need to make contributions to it yearly? I figured having SOME money gain interest is better than none, but maybe I am wrong.edit: I meant past the initial contribution. I wont have money to put into it for quite a few years.  <response>: Whats the point of opening an account and putting nothing in it? Lets see, a 5 interest return on 0 is, let me do the math... 