<prompt> Human: He is some info about meIm 20 years old and in community college. I work as a waiter an make 400 to 600 a week depending on the season. In the summer I have a second job that gives me about 250 a week. I work about 60 to 70 hours a week in the summer. Idk Why I do that to myself but I like to stay busy.Last year I made 23,000 and am expecting to do better this year since Im getting better shifts in my resturant that generally you make more in.I have 10,000 in my checking account.Should I invest in retirement or just keep it on my check in case I need it?Side note. My car in a 99 accord with 160000 that I feel has at least enough life in it to make 180000.Should I open an IRA what is it?thanks  <response>: Never too early. Read through the FAQs and Wikis here, theyll be helpful. 