by the way, check out if the IRS can “garnish” an “IRA”
If not then open a Roth IRA at Vanguard, fund it with whatever you can afford to let go of and put it into a “Target Retirement Fund”. In your case low risk VTINX.
Mind you you can fund an IRA if you make over a certain threshold so like b4 ..quit screwing around, bite the bullet and make an apnmt with a pro and ask these questions. No HR Bock.
Pay now or pay later.
“IRS can “garnish” an “IRA””
The bad news is yes they can take your IRA. To make it even worse you must pay income taxes on the money they take.
However it is an exemption on the IRS Form 5329 for the 10% penalty for premature distribution.