Could anyone explain how these work and the best way to get myself started? After doing everything wrong through my 20's, I'm finally getting my financial situation under control and have started to think about investing for the future. I took a financial class ages ago and remember one of the things the Professor emphasized was to not waste time on a saving account and instead begin investing in a Roth IRA. I don't remember much else about it except her showing a timeline of a Roth IRA earning 10% over it's lifetime turning into a hell of a lot of money. Any advice? Thanks.