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I am 21, a full time student and very curious about investing now. I am thinking about opening a Roth IRA and investing some of the money my father gave me for winning a scholarship ($10k ballpark). It seems like putting something (even if tiny) right now would make a lot of sense since I am so young and there is so much time for it to grow. Being as I know VERY little about investing, a Foolish 4 combined with a Vanguard 500 would be a good idea until I learn more about small cap growth stocks. My question is: is it too early for an IRA? Roth or Traditional? Foolish 4 and Vanguard--is that a good idea for starters? Lastly, I plan to do this all with USAA. Is this a good bank or should I toss it and look elsewhere? Thanks in advance!

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