<prompt> Human: Hey! Im just curious if it makes sense for me to open an IRA account. I am 22 and still a full time student. There is no way Im going to make it up to 5500 this year, or next really as I work 20-30 hours a week and will make about 10,000 in a year. Would it be a mistake to start since I wont contribute the maximum? Thanks!  <response>: As a student, I would be most concerned with having a few months worth of expenses saved in an emergency fund. Do you have such an emergency fund? After an emergency fund, you might want to save in a separate place for moving expenses as you come closer to graduating. Other than that, you can open an IRA with as little as 1000, and contribute as little as 100 at a time. So, whatever youre comfortable with would be nice. 