I was 26. And single when I started saving for retirement. Then a few years later got married 30 then had 2 kids, wife has stayed home with kids for 14 years. I owned my own business during our early 30s it was not easy cashed in retirement. For years now on this site and bogleheads and moving everything to vanguard. I now have a good plan I'm lucky that I'm able to put away a good amount each year. Maxing 401k, Roth and taxable. Life is a struggle at times,wouldn't change keeping my wife at home just wish I didn't touch any of my retirement money. thanks everyone for all your input. Save early.