I don't know your age, and I can't predict the future, but I can say that in my 20s to early 30s I had trouble keeping a positive bank account balance and yet I

I don't know your age, and I can't predict the future, but I can say that in my 20s to early 30s I had trouble keeping a positive bank account balance and yet I was able to retire in my mid 40s. Max out your 401k. People are really bad about thinking in terms of exponential growth, and it kind of sneaks up on you out of nowhere.