<prompt> Human: Hey everybody, I just graduated college and I know its best to start saving for retirement ASAP. I have 28,000 in student loan debt. I made 2,000 from all of my very generous family members graduation gifts and Im wanting to open a Roth IRA. Any advice is appreciated. I have no idea how to start, which bank to use, how much money is required, anything.  <response>: Do you have a job yet? Id save that 2k until you have a steady, reliable source of income to cover your bills and spending. Once youre sure that your income is outweighing your expenses, start saving for an emergency fund. Once the emergency fund is looking good at least a couple of months worth of expenses, for starters, start diverting some of your extra money to an IRA. 