2. Avoiding Setting Up an IRA
It is common for people in their thirties to think that their retirement is a long way off, and they do not need to begin saving up for it yet. They prioritize their present requirements over a secure future and end up regretting it later. You should be smarter than that and realize that setting up an IRA early would only be prudent. Consider traditional IRAs and Roth IRA options, and begin making contributions asap.