<prompt> Human: As the title says, Im 19. I attend a commuter University full time and work as a manager part time doing at least 20 hours a week. Ive saved up my 6 months emergency fund and then some, and want to know what my next best option for retirement saving is. Do I go IRA or Roth IRA? Are there other, more suitable alternatives for someone my age?  <response>: If you expect that youll be paying at a higher tax bracket when you retire, go with the Roth. Youll pay taxes on it now and not when you withdraw it upon retirement. 