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Chris, The thing that sucks about the Roth IRA is that once you make $110,000.00 (or something like that) a year, you can no longer contribute to an IRA. So....yes it is a good thing to begin one as soon as possible, but when you become a successful business person making over the...

A couple things to consider. If you start working with a financial planner (one that handles everything from investments, to advice, to self-employment health insurance, etc...), they will be able to help you turn that $500 into a wise beginning. For example.....for a person starting out, sure...