<prompt> Human: So Im 23, in a temp to hire situation at my job making 30k. No loans, debt, etc. I want to start my retirement fund, but I cant open my 401k until I go on salary likely April or May. In the mean time does it make sense to start contributing to an IRA. I already have checking, savings, and investment account. Should I just wait to get the 401k setup first?  <response>: You could set up a Roth IRA. You can contribute to the 2012 limit untill April 15th. 