<prompt> Human: On mobile so forgive formatting. So I got a new job, and my employer wants me to start putting 3 of my pay into a IRA. Im 19 and not familiar with this and wasnt exactly taught about these things at my high school. Is this a good idea? Should I put more than 3 in? What should I avoid? Thoughts and advice would be much appreciated.  <response>: See the PRIME DIRECTIVE link in the sidebar. Budget, save, invest. Also read the topics for your age group. Might as well read them all, so youll know things for the future. 