I started my Roth IRA when I was 18 and I've been putting money in every month since. I've never been able to max out my contributions yet, but I make sure to automatically transfer money into the account every month. I started with $25 a month when I was 18, and now I'm up to $100-$150 a month. I want to eventually max out every year, but that seems like it will have to wait until I have a larger income. Do you have an IRA yet? When did you start? If not, why don't you have an account? I know that Social Security is not going to be around when I retire so I am trying to cover my bases at a young age.