qandaQ:How can a beginning investor get started with little to invest?

Q:  How can a beginning investor get started with little to invest?

I’m a college freshman and ever since I heard your podcasts in my senior year of high school, I’ve wanted to start investing my money for retirement. Now that I’m 18, I’m able to open a retirement account, but I currently only have around $250 to invest because I come from a low-income family. I remember, from one of your podcasts, that you recommend ETFs for college students because they have no minimum.  I tried to open an account with Vanguard, but it said that I need a minimum of $3,000 to put in the prime money market to open an account before I can begin to buy ETFs. I’d really like to invest in Vanguard because of your recommendation. How might I buy a Vanguard ETF without having $3,000?