<prompt> Human: 28 years old, I have been putting off investing and researching etc. because the amount of information out there is staggering. I just opened up a TD Ameritrade account today and want to start building for retirement, among other things. Internet research comes up with thousands upon thousands of articles, none of which are coherent between sources, but Reddit seems to be a community of rational people for the most part so i figured Id start here. Where do I even begin? Roth IRA, traditional IRA, vanguard, stocks, bonds, mutual funds its all so ridiculously confusing. I feel like Im kind of late to the game here, but better late than never, right? Any advice on the topic would be super helpful to me.  <response>: but Reddit seems to be a community of rational people for the most partI dunno about that. This forum is relatively sane, but its sort of an exception.Basics of retirement investing: Basics of other types of investing which you are probably not ready for: 