I started this one, and have a plan to catch up in the next 2-3 years. I actually st up my 401K plan with my work, and rolled my Best Buy 401K plan into it. It’s not much. When I retire, it may be like 6 months worth of time. But hopefully, when the kids are out of Daycare, most of the $350/week we are putting into it will be able to be diverted into a IRA. Hopefully.