Some old geezers at work always tell me, "You should start saving for retirement while you're young." While I can see it's a beneficial piece of advice, it's easier said than done. I make a decent living, but the pay could always be better. The good thing is that I'm a civil service employee who works for a public agency, and my employer has a strong and stable pension system, in addition to optional deferred savings plans. I currently opt to contribute 5% of my biweekly salary to my 401K. Unless I get a big promotion or raise, that rate ain't gonna change. And ike I said in another thread, I don't know if I'll live even long enough to enjoy retirement.