<prompt> Human: Ive read how a Roth IRA can be such a powerful tool to build money for retirement. I maxed out my 2016 contribution and plan to do this every year but it is not a small thing since I am a factory worker and bring home about 25kyear after taxes and my 10 401k contribution. Im 36. Am I going too nuts on retirement. I only recently last March started working in the factory and I would like to buy a newer car and maybe a house one day. How should I be saving for these other goals?  <response>: You are 36 and you dont make that much. I think saving heavily is a great idea. 