<prompt> Human: Im 20 years old, working full time and attending college. I have a savings account, credit card, checking and a car loan to pay for, along with misc. payments gas, insurance, groceries, little rent while living at my parents home. Anyways, Im able to save a few hundred a month which I put in my savings, but Ive been interested in starting a retirement or investment account. I have a friend who works for Transamerica and she only says excellent things about it. But I was looking for some financial advice; do any of you have information or experience having an account with Transamerica? Do you suggest a CD or Roth Ira? Or perhaps just keep saving money through my regular savings account?...Thanks!  <response>: I have a friend who works for Transamerica and she only says excellent things about it.Hm, I wonder why? You are likely going to be best served avoiding Transamerica and other expensive investment companies like it.Please read the information found in the FAQ particularly I Have X ... What Do I Do With It?! and the Long-Term Investing Start-Up Kit You may find Your 401k and You: Basic Information and Your IRA and You: Basic Information worth a read as well. 