Don't let the complexity of investing stop you from investing in your Roth IRA. In just 3 steps, you can get started on your Roth IRA investing journey.

1. Open up a Roth IRA. This can be done at most financial institutions. I use Vanguard but most people find it easiest to stick with whatever financial institution they already have a relationship with. Many apps like Robinhood and M1 Finance also offer Roth IRAs and are a good choice.
2. Fund your Roth IRA. This is typically done through a bank transfer.
3. Invest. Index funds are a collection of stocks and/or bonds, covering a broad range of companies. Since this is a retirement account, target date retirement funds are a great option. These funds will start holding a lot of stocks and gradually (and automatically!) shift to holding more bonds as you get closer to your retirement year.

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