An Individual Retirement Arrangement (IRA) is the best investment vehicle for your long-term future when you don't have retirement benefits through your university/institute.
This is the most common financial issue that graduate students and PhDs email me about!
So I set a "Challenge" within the Personal Finance for PhDs Community to help you accomplish it.
Once you have finished with each of the 7 steps, you will have an IRA open and funded!
Thank you for allowing me to assist you in getting compound interest to work for you!