[pennywise]

I agree with the Roth IRA since you can withdraw the principle without penalty for any reason. The roth is made with taxed dollars. I do not like a 401 because it is government controlled and may affect future social security earnings (I believe - speculation - the 401 is intro to turning SS into welfare), don't trust the government. they are not interested in you, only what they can do for themselves. Put money away into a stable investment (stocks are NOT stable) for a house and car. You may get married and then children. Good thinking and planning. Stocks and mutual funds have fees attached - they don't tell you about that. Be wise and be concerned for yourself. A broker or financial analyst has his own interest at heart because he has bias - his/her salary. Do your own homework, please. Take advice, but listen to your heart and head.