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Message: [QUOTE="willie99, post: 5283402, member: 192"] Advice I would always offer to anyone. It's never to early to start saving for retirement. Because retirement age comes around more quickly than anyone anticipates. If you're an educator or public service employee, chances are you have a pension most don't have. However, I love 401-Ks. You get to accumulate significant assets and they're always yours. Can be passed on to beneficiaries. There are a lot of people that have accumulated millions using that path. Put money in your 401-K and never touch it, let time do it's thing, you'll be fine. [/QUOTE]