<prompt> Human: Its that time of year again. A lot of people have recently been looking at contributions to their IRAs for this year and the next along with a good amount of 401k403b questions. The beginning of the year is a good time to take a look at your asset allocation and rebalance if needed, the end of the year is a good time to look back over what worked in 2013 and what didnt. Sometimes its good to know there are people out there who are working their plans alongside you. Also good to keep in mind that the community here at PF is among the most prepared, at least more so than the average, so dont get discouraged if you dont have as much saved as you want. So pf, how much do you have put away for retirement? How old are you, and whats your target?  <response>: 22 years old, 16k liquid savings account. 