<prompt> Human: Im currently only in college, but I went to a finance talk and the speaker showed the tremendous benefit of starting an IRA this early in life. Im thinking of a Roth IRA since the job Ill have next summer wont be taxed very much. Im currently thinking of opening an account at Vanguard because they will open an account with only 1000, has any one used their business before and would you recommend ithave any advice? Thanks in advance!  <response>: I have a Vanguard Roth. Vanguards funds sometimes lag the market or other benchmarks, but they more than make up for it with their super-low expense ratios. Their Target Date funds have a 0.20 expense ratio vs. according to Vanguard a .48 industry average. Of all their mutual fund offerings, the highest expense ratio is 0.92, which is still very reasonable for a managed fund many of which venture in the 1.5-2 range.As long as in college means youre under the age of 30, a Roth is probably the way to go. If anyone ever asks, I always recommend Vanguard, and Ive never really seen anything negative about them. 