<prompt> Human: I am 23 and want to do all that I can now to afford to retire early I just completed my under grad in December 2016 and got my job in May making 50k which is okay for entry level without experience. I live at home still and have no billsdebt of any kind. I contrite my 403b and dont really know what else to do. I want to get my MBA so I can move from an application analyst into a manager role and will likely be trying to start that fall 2018. I have about 11k in my saving and 2.5k in my checking. What should I be doing from here?is a Roth IRA a good idea?All other suggestions appreciated, Thank you all  <response>: I would suggest a Roth IRA. You started in May, so your income for the year should be under 30k. This puts you in a low tax bracket. Fund it with 5500. Also, try to get as much into your 403b as possible before years end. Check out the sidebarFAQ at rfinancialindependence for tons of info about early retirement. The biggest key is to keep your spending down. Youre in a good position to accomplish your goals if you remain determined. 