You should be asking a lawyer or financial analyst, rather than random people on the web. As a cautionary tale though (as someone about 30 years older than you), I didn't put anything back in my younger days, so now I have nothing and am dependent on the government after health problems forced me to quit working about 10 years ago.
Curly: Moe, Larry, the cheese! Moe, Larry, the cheese! (Horses Collars, 1935)