>>>>I'm 28 and have recently opened a Roth IRA (since my work doesn't offer me a 401K until I work here for a year). I'm planning to make a monthly deposit of at least $100 into the IRA every month when I get paid so I make sure I don't spend it. <<<


Sounds like a great idea to me. In fact I would recommend it to any client. Wished every client's was as smart as you!


Buz Livingston
Registered Investment Advsisor