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Any Investment Bankers out there?
#1
I dont make much, but as of right now, I do make enough to put a tiny bit into some kind of savings.

I was wondering, is there any kind of decent retirement account/plan/insurance that I can start with $100 and build from there?

Most of the plans I find want at least $3000 down. Hell, if I had that kind of money, I wouldnt need to worry about it, I could invest. But I dont have that kind of money.

Ive been to my insurance companys brokers office and he was nice enough to talk to me about this stuff, and he said some kind of Roth IRA, but I really dont understand all that math stuff. I dont want to get F**Ked over by the government when it comes time to retire, and I dont want to have to put in all my money for some huge downpayment I really cant afford.

Dont want anything thats not certain.
I cant risk losing money.....again.
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