After a lot of research, I've decided to open the Roth IRA (which is the US version of the RRSP). Still deciding where, but you all gave me quite a few good ones I am looking through. Thanks! With an IRA, I can contribute up to $5,500 a year... which is $458/mo. HAHA, no. That is most crippling, at 1/4 of my disposable monthly income. Would be awesome to be able to make such contributions, but it's not going to happen.
My original plan included snowballs of $665/mo. I will borrow $100/mo instead and transfer it to an IRA. I know that's only $1200 out of the possible $5500 contribution, but it's all I can do for now. I haven't started figuring out where the $1000 opening balance will come from, but that's in my to-do list.
Sad note: I am already very behind my moving goal as it stands. I am $400 (plus a car) short from moving in March 2015. I'll need to address this at mid year.
I really really appreciate your feedback on my previous post about IRAs, it really helped guide my thoughts My next move is to pay taxes ($1200), repay car fund that was used to pay my parents' car ($2000), then work on the remaining debts using the Avalanche method. I want to pay as little interest as possible, and 3 of my 5 student loans have a 5-6 interest rate.
I really, really need to find a more consistent way to increase my income. On that front, my part time job is picking up now, so I've worked these past 2 Saturdays and I am scheduled for next Saturday as well. Woo hoo! Only $60~$80 a night after taxes (wow, that sounds extremely small once you actually write it down...), but it's something.
Now off to check Charles Schwab (thanks, Hawaii Planner and Money Matters for the suggestion!). I'll post my findings once I'm done researching firms, in case anyone else is curious.