I'm a 21 year old who's about to graduate from university. My first priorities will of course be living frugally and paying off student loans, but I'd also like to immediately open a retirement fund of some sort. A professor recommended a Roth IRA, but I'd like some input on my other options. First and foremost in my concerns: What retirement options are going to be least affected by the "credit crunch" and the plummetting dollar? As I understand it, a hideously strong bear market and depression are on the way. Do I have to stick my money under the floorboards? Send it overseas somewhere?