[lovekeiiy]

You haven't started saving for tetirement yet? Start now!!! And save as much as you can afford. You can also lower the amount later when needed such as a mortgage. You cannot make up for the compounding. At your age, the suggest saving pattern is 5% income, 5% conservation, 15% aggressive, 25% balance, 25% income & value. This is just a suggested allocation for your age group. Obviously, things as time to retirement, and other risk tolerances may effect the suggested allocation.

As for adventure, you forgot drive through Compton while wearing a pointed white hood, not hoodie.