From the very moment you start working your first job, put 5 to 10% of every paycheck into a 401K and or IRA account. Start this as early as possible so that you might stand a chance of retiring one day. Do NOT depend on social security or anyone else to care for you when you are old. Sure wish my parents had engrained this idea into my head …instead I’m starting late and will pay dearly for the missed years of contributions.