Well, the first thing I would do is take the money that you've got in the passbook savings account and put it into a money market or ultrashort bond fund. A five percent yield is a hell of a lot better than a 1.25 percent yield.You can open up a Roth IRA with a discount broker, a full service broker, an individual mutual fund, or your bank, just to name a few. It's all up to you.
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