<prompt> Human: Been working at the same small business for the past 5 years, Saving money the entire time but not as much as I would like. Work is picking up a 401k plan and will match 2. Good idea for me to start young or unnecessary burden on my income?  <response>: The earlier you start, the better. Not only will that money compound a great deal, but it will also force you to get used to your smaller income. The basic rule is 10 saved over the whole career will get most people a livable retirement, 15 gets you a comfortable retirement. 