some background: a retirement fund was automatically set up for me when i got hired at my current job. a certain amount from my paycheck was automatically added to it every week, blah blah.
anyways, the deal is - today is my last day at that job. the HR department gave me a number to call to get my retirement money out of that fund. but i think its practical to have that fund now [even though i'm only 20]
so, how do i go about setting up an independent retirement fund for myself and depositing this money i am getting back in there? i am so unbelievably clueless about this type of stuff, i'm sure someone here will know.