More than a year ago I learned that I need to open a Roth IRA RIGHT NOW!!! (I’m 25). If it wasn’t for David’s newsletter in my inbox this morning about Social Security, it probably would have never happened. I kept thinking I couldn’t part with the measley $100 bucks to open the account. Here, I owe my Mom $6,000, my boyfriend $350, my credit card $2,400, and my roommate is now moving out! But I realized this morning that I can at least look forward to getting old…just don’t tell my “lenders” what I did!