Reading about people who have had some anxiety about being in their 30's with nothing saved up. I'm in the beginning of my thirties and am working on a strategy to build up enough money to retire comfortably. I have some friends who are older that think I'm foolish for doing so, but I don't think my life style reflects who they are, and their life style doesn't reflect who I am. I'm a saver and a math kind of guy. I like to have money and spend it wiseley. My years of partying have passed and I have a daughter and wife to think about and a house I want to pay off. With all that said, no matter how old you are or how young, its never too early or too late to start a plan to bring about a conclusion that you want. You have to go into the first forty thinking about the back forty. If you have a rough go at the beginning of a game, does not mean you aren't able to win at the end. So, retirement is out there and I hope it happens for everyone. You have the ability to shape your own future. You are your own you. You're the one who is ultimately responsible for what you do and how you do it. People will try to convince you to sometimes save a lot or don't save at all. Friends will come along with crazy vacation ideas that might not match up to what you're capable of doing. Don't fall for those traps. Enjoy the good times, have fun! I mean yes of course have fun, but don't have fun to the point that you're paying 20% interest to Visa on your fun. That's harder said than done sometimes. Our entire lives are about growing up and changing and one day we have to acknowledge we're past our prime. That's false a terrible lie! Your prime is now. Every time you draw a breath you have a chance to do something. In order for you to get better at spelling, you spelled words. In order for you to get better at math you had to study. In order for you to get better at finance you have to spend, save, lose, gain and most of all find someone dependable to teach you. Budgeting, investing and spending. It should be as simple as a swipe of the debit card, but its not. Its really not. You're your own you. Today is a good day to put some money away. Even a dollar can become a million with the right steps involved.