<prompt> Human: My wife and I are newly married. We make a combined 110kyear before taxes in a very affordable Florida town. We both walk to work, and currently rent an apartment for a little over 800month. Weve recently finished paying off our wedding and honeymoon. No credit card debt, and approximately 1,200 combined monthly student loan payments. Naturally, now that weve made our big purchases furnished our house, got a car, paid for the weddinghoneymoon well begin to save money at a pretty good pace. Neither my office nor my wifes offers any sort of retirement fund. I assume it makes sense to begin contributing to some sort of IRA. Any advice on where to start, or other advice on moving forward with a steady income thats larger than our current needs?EDIT: I meant neither job offers 401k. Sorry about that.  <response>: IRA is Individual Retirement Account, and is set up on your own. The best brokerage firms for this are Vanguard, Fidelity, and Schwab. You can each contribute 5500 to IRAs per year. 