<prompt> Human: Hi, Im 23 and so most of the information online isnt targeted at me. Seems people are thinking about retirement way too late. Everything online is focusing on figuring out what your particular retirement age and life expectancy are and working from that. There is no way that can be estimated for a 23 year old today.I figure I should just try to set aside how ever many years money by the time Im 60, and revisit the problem with more detail in 5 years, adding in the affects of NPV and such.So if any of you have in site on what that figure might be I can work from that.  <response>: Not sure but if youre ambitious, you can aim for a goal of being able to live off investment earnings. Such a goal would, in theory, mean that the retirement funds can last forever.You could also check out rfinancialIndependence, which is a subreddit dedicated to early retirement. 