Any insight into a Roth-IRA?

A Roth-IRA is just a type of account - you choose the investments you put the money into once you put the money in the account. You can pick individual stocks, bonds, index funds, bond funds... there are a variety of options, depending on which company you get your Roth with.

If you get a broad based index fund, the typical return is an average of 10% a year. At that rate, if you put in $5,000 this year and never added to it, it would grow to about $128,000. (I did that calculation really quickly so it's an estimate - you might want to double check it by searching the internet for a compound interest calculator!)

Check out a book called The Bogleheads' Guide To Investing - it has a lot of information and is really easy to understand. Good luck!

the safest and best thing to do is to open a roth with vanguard or fidelity and put the money into a stock mutual fund...sp 500 being my favorite. historically, this type of investment had make 10% each year. vanguard and fidelity have the lowest fees in the business

Once you have the roth IRA open, then let's ask more question. Time being read about as much as you can.

You may have some answer while you open this account and you may know what you like to do with it later after good reading about it.

Talk to you soon