I'm getting old. I'll be 26 in less than two weeks. I am in my second job in my career, and I haven't started saving for retirement or investing my money. This scares me. I don't have a money tree on my apartment balcony. I want to make sure I'm prepared for big things in life. Money doesn't make happiness, but it sure gives you one less thing to stress about. Today, I set up a Roth IRA and an individual investment account. I don't have a lot of money to contribute right now, but I'm thinking a little bit is better than none. I just figured my money is making pennies of interest in my bank savings account so why not make my money work a little harder for me? Get to work money!