It's NEVER too early to start that retirement account!

It literally took me 3 minutes. No paperwork, nothing to sign, no phone call.....just enter some basic info and check the boxes and you're set up with a Traditional or Roth IRA.

Betterment.com - a small brokerage firm whose goal is to make investing easy, even for those who can only afford to start small.

No account minimums, no trading fees that kill your returns. Just one easy fee and it's less than 1% a year.

It has also succeeded in making investing easy for those who are unfamiliar or afraid of the financial markets.  All you choose is the percentage you want invested in stocks and the percentage in bonds, they do the rest.  They will even help you figure out what percentages are best based on your goals and the time you have to reach them.