1️⃣ Open a Roth IRA with trusted platforms like Fidelity, Vanguard, or Charles Schwab. 2️⃣ Contribute as much as you can (up to the annual limit of $7,000 if you're under 50, or $8,000 if you’re over 50). 3️⃣ Don’t stop there! A common mistake is letting your money sit uninvested. Once you contribute, be sure to select investments like index funds to put your money to work.