I don’t remember exactly how old I was, but I probably had 30-35 years to do so at the time. Now I’m almost 30 and I’m not really sure how I’m doing. I know I could do better, but I worry about upcoming expenses that might sidetrack me. Can I afford to put more in my 401k? Can I afford not to? How much are kids going to cost me and how much will they delay my retirement? What if I lose my job? Do I really want to try to start my own business and risk losing that money that would have went into savings? All tough questions.