Home » MONEY FORUMS » Retirement » Everyone is always saying that you should start saving up for your retirement ASAP. By 25 at the latest. Well, I’m 25, and I have researched IRA accounts in the past, but I cannot afford to set aside the minimum amount needed to start an IRA account (I think the ones I was finding were in the hundreds of dollars). So I really want to start saving now, but should I just keep a seperate savings account? I am pretty sure the IRA’s have higher interest benefits, which is why they would be preferable… Thoughts?