Time goes by much faster than you might think. I thought about saving for retirement when I was 21 but, at that time, I did not think I would make it to 65. The next time I seriously thought about it, I was 30 and decided that I still had pleanty of time. Then all of a sudden, I was 40. Not so much time left now. I put all I could spare into money markets, stocks and an IRA. It all worked out well and now I can spend time on the forums and think about buying Bussekin.