Real Newbie...I'm absolutely green when it comes to this stuff, but I'm ready to begin retirement planning. Profile: I am 27 and self-employed. I am married and my husband is the main earner in our family, so my income is just supplemental, at about $20,000 a year. I am interested in beginning to put a little away each year in a long-term retirement plan, that I wont access until I am truly old :) It just seems smart to begin doing this now, and let my small investments grow very slowly over many, many years. I need to know whether I should open an IRA (and which kind), a 401k, a Keogh, or what? Any direction at all would be greatly appreciated.----------------------I think your question/situation will probably generate a lot of reading material for you to look over. This is good because you need to study all the information, first-hand, so that you can make a good choice. Here are a few more:http://news.morningstar.com/doc/article/0,,104624,00.html?hsection=Comm2http://personal.fidelity.com/products/retirement/getstart/newacc/smallbizintro.shtmlAnd don't forget the IRS:http://www.irs.gov/pub/irs-pdf/p560.pdfThat's a start. Hopefully, someone will come along who has been in your shoes before and can pass on their experiences.Regards,Bill
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