which I ' ll point out isn ' t going onNo that actually is what I do . It allows me to reach from 20 m actually 17 m to 80 m , whereas I normally coild only get down to 40 m , maybe 60 m with a long whip . <| sep |> Norman memes get out . ROOOOOO <| sep |> you would think , with all the testosterone spez guzzles , he ' d be more manly . fuck uspez <| sep |> Does your work offer a 401 k ? If so , start contributing whatever they match there . If not , definitely max out a Roth IRA . Your taxes are generally low right now , and a retirement contribution of 5500 taxed dollars is much better than a tax free 5500 right now . A Roth IRA also offers several other benefits . As to whether or not you ' ll catch up it depends on the income you will need in retirement . Social security should probably keep you comfortable with your retirement accounts as a supplement . PersonalCapital has a great calculator that you could use to map out a retirement plan . It sounds like your monthly expenses are low enough that you should be able to ride it out with consistent employment to ~ 65 and SS following that .