Let me suggest 2 things. First, open your Roth at Scottrade. No fees for your Roth and only $7 stock trades.Second, after you put your $3k into the Roth, look at starting an emergency fund. Ideally you want this to be 3-6 months of expenses should the job not work out or another emergency surface. A high interest savings account like ING Direct (2.0%) or NetBank (2.2%) is a great place to park a small amount of cash. In the case of ING, if you let me refer you, you get a $25 bonus and I get a $10 referral bonus. With NetBank, you can get a $50 bonus but I don't get the referral.There is really only one kind of Roth IRA. The question is where do you put your money. I recommend putting 1/3 in an S&P Index, 1/3 in a small cap value index, and maybe 1/3 in an agressive growth fund. But that is just me.