<prompt> Human: Just started my retirement fund !Theres probably other ways I could do it but not sure who to go to for these sort of things and dont wanna pay any fees. Assistant: open a roth IRA. buy some combination of conservative and aggressive stocks with it. youre still young you can be more aggressivebravo for thinking aheadHuman: What is that, how do I do it, and why should I get one?  <response>: Keep in mind that you need earned income to contribute to an IRA individual retirement account 