<prompt> Human: I will be graduating college in December but as of now due to a broken ankle have no income but my parents do give me money anyways for food and rent. I will have no debt graduating. Which do I put the money in? I do like the idea of paying the tax on it now so I do not have to when older. Thanks.  <response>: have no incomeIf you have no income you cant put it in an IRA. 