TO POOR, COMMUNITY COLLEGE STUDENTS:

http://www.usatoday.com/story/money/personalfinance/2015/11/03/launching-nationwide-myra-offers-free-way-save-retirement/75094398/

YOU CAN NOW SAVE $6,500/YEAR, IF 50+ IN AGE BY END OF 2015, OR $5,500/YEAR (IF UNDER 50 YEARS OF AGE) INTO A ROTH IRA THAT NEVER FALLS IN VALUE. IT'S CALLED myRA, AND IS LIMITED/HAS INCOME RESTRICTIONS TO ONLY INDIVIDUALS WITH ANNUALIZED, TAXABLE INCOME OF $131,000/LESS. IF FILING JOINTLY/MARRIED, THE INCOME CAP IS $193,000/YEAR.

https://myra.gov

***CHECK INTO THIS NEXT TIME YOU'RE AT A CHASE BANK LOCATION, TO COMPARISON SHOP WITH THEIR RETIREMENT PORTFOLIOS. ALSO, PLEASE CONSIDER AN HSA, HEALTH SAVINGS ACCOUNT, WITH THE ASSISTANCE OF EHEALTHINSURANCE.COM ***

***IF YOU SAVE $500/MONTH, FOR FIVE YEARS, YOU CAN HAVE A TOTAL SAVINGS OF $31,920. TRY TO LIVE WITH A FAMILY MEMBER, RENT-FREE, UNTIL AGE 25, OR WHEN YOU GET MARRIED. THIS IS BEST FOR YOU FINANCIALLY. IN FIVE YEARS, YOU CAN THEN REACH THAT SAVINGS GOAL.***