I’m trying to start my retirement planning (roth IRA) at an early age. I’m 23, recent college grad, newly married. I have a small amount per month that I’m able to put in but not a whole lot right now. IT seems like everwhere I look they require either a high monthly deposit or 3000-4000 start up. I’m trying to start early because I know it’s smart, but everywhere I turn is turning me down! I’m getting frustrated over the idea that I have to save up to save up! Any suggestions?

Some mutual funds will allow you to avoid the “minimum” balance if you commit to a monthly deposit. I can’t speak to all the funds that allow this, but talk with the various brokerage houses (i.e. Fidelity, Vangaurd, AIM, just to name a few)