Alright, I have decided it is time to take the plunge. I am a grad student so have no 401k with my employer (wooo graduate school). After reading through the thread I am thinking about investing with vanguard and setting up an IRA. I am also somewhat confused about whether I should start with a Roth IRA or a traditional IRA. Based on the reading I have done so far, it seems like the Roth IRA would be the better choice as I have a realtively low income right now, but I am not certain. Any advice? Additionally, people seem to suggest investing in total US or international stock, but what percentage of investment should I be putting into bonds at this point (I am 25 now, have a decent amount of time to retirement I would imagine)?
Lastly, I really want to just make the jump and I feel like I already know the answer to this based on responses in this thread, but would now be a bad time to start?