One thing I will advise to a young person until the day I die...... Start out young and put your money away. I have blown so much money on hobbies that I got no return. Other hobbies I had, did. But I wish I had put my money away years ago. I had a good job for the past 30 years and I have been single for the past 25. But all that time I blew evry cent I had. I was fortunate enough to have a job at a place that has a good retirement and good health care. So now I can sit on my butt all day and not have to do anything except piddle around the house. But it sure would be nice to have several hundred thousand dollars in the bank, too.