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It's great that one of your age is interested in saving for retirement rather than blowing it all on trinkets!
I don't understand why you aren't able to buy stocks in your state. You can buy mutual funds? Mutual funds that invest in stocks?
Yes, you can have a Roth IRA, and you can put your Y2K contribution in until April 16, 2001. So you can put in $4000 now if you wish.
If you can't own stocks, talk to Vanguard and set up your Roth with them. Start with your choice of funds--the Specialized Health Care did great last year, but consistently the S&P has done well. Keep your account in mutual funds until you have $10000 to $15000, then you can consider switching to individual stocks. Or you could set up an account with BuyandHold when you are 21.
You can have more than one Roth but you can only contribute a total of $2000 annually.
Best wishes, Chris
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