<prompt> Human: I have no debt.I make anywhere from 1,300-2,400 a monthdepending on how much overtime I do at my workplace and my current necessary expenses are very low; probably less than 500 a month. I have an associates degree, and will be transferring within the next year or two to get my bachelors, which is what most of my saving has been for.Up until recently, saving has been fine for me, but Ive been told that I should start a Roth IRA, which I see the value in for the long term, and put some money in mutual fundsindex funds. On the latter, I know nothing about. How much should I put in? What company is recommended?  <response>: I recommend holding onto the money for school. 