A friend works part time, her husband full time. Her employer does not offer a retirement plot, her husband is in his 401k plot. She wants to start investing some of her money to a retirement plot but does not have any money to initially deposit. Is it even possible for her to start an IRA? Are there better options for her to invest into? She wants to place in $25/ month electronically by AHC so she feels she is contributing to their retirement as well. As my husband and I both invest into our employer 401k programs, I did not have an answer for her and was hoping someone here would! She is 36 years ancient and was looking for something that would compound some off of her $300/year investment. Thanks!

A friend works part time, her husband full time. Her employer does not offer a retirement plot, her husband is in his 401k plot. She wants to start investing some of her money to a retirement plot but does not have any money to initially deposit. Is it even possible for her to start an IRA? Are there better options for her to invest into? She wants to place in $25/ month electronically by AHC so she feels she is contributing to their retirement as well. As my husband and I both invest into our employer 401k programs, I did not have an answer for her and was hoping someone here would! She is 36 years ancient and was looking for something that would compound some off of her $300/year investment. Thanks!