<prompt> Human: Hello all!I just wanted to say thank you. You all dont know me as Ive never posted here, but Ive been a lurker. I have been putting off starting my retirement because...life happens. If it wasnt getting married, it was getting pregnant and preparing for a family, then my husband lost his job and it felt like 27 turned into 30 really quickly. Then I just read a comment, someone said something along the lines of, people would rather spend 50 at a bar instead of putting it towards their retirement because thats boring. I immediately closed the Forever21.com tab and opened the HR site on our intranet.I just signed up through my employer a retirement plan through TIAA CREF 403b. I can only contribute 6 of each pay check for now, but I am hoping I can raise that eventually. Baby steps, right?  <response>: TIAA-CREF is usually a pretty good 403b provider. Make sure youre invested in low expense ratio index funds. 