<prompt> Human: Does anyone have a good guide to recommend? I am thinking a Roth IRA is the way to go and Ive read good things about optionsxpress.com. Is this smart? Im also thinking about doing a high yield savings instead, but I dont necessarily want to access the money soon - I want to start saving for retirement.  <response>: 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. 