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In response to "Because STIS, how difficult is it to set up your own retirement fund (i.e. 401K, etc.)" by Stephen

Go to fidelity or vanguard. Open an IRA. Pick a target date retirement fund. Invest.

All of our accounts are at Fidelity and I know that they let you put in X dollars each month (there is a minimum) rather than having to put in $3k in one chunk each year. Most mutual funds have a minimum investment but if you do the X per month at Fidelity they waive it for Fidelity funds as long as you are on the plan.

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