<prompt> Human: I recently decided that I want to start saving for retirement. I wish I started sooner! Im currently trying to save up to 5,500 now before April 2018. Is it possible for me to open up a Roth IRA sometime in January of 2018 and still contribute to the 2017 year? Also, does anyone know of any plan where I can just invest and forget it? I dont want to have to be buying and selling constantly.  <response>: Yes.Open the Roth IRA with Schwab, Fidelity or Vanguard and invest the money in their Target Date Index Fund, with a date near your retirement.That is your best invest it and forget it option.Good luck. 