<prompt> Human: I am 27, currently making around 75k a year, and have scheduled raises over the next 2 years that will put me at a little over 100k. I put about 30 of each check in my savings. At retirement age 60 Ill have a pension that will pay out 75 of what I was making annually with 0-3 raise every year. I plan to max out my Roth IRA every year started this year. I have a deferred comp plan which Im tossing 100 into with each paycheck until I buy a house, and then Ill invest more. I have about 8k in a few index funds. Around 15k in savings. Currently renting an apartment at a very low rate. Also have amazing benefits that cover pretty much everything. Am I on a decent path for retirement? I guess Im wondering what other investments I should be looking into if I do have a pension coming my way. Or should I invest and plan for retirement with the idea I might not receive my pension? Like a just in case mindset? Any help would be great because the thought of not being prepared for retirement is frightening.  <response>: Enjoy life a little, and then save as much as you can. You seem to be doing fine. The compound investment math is pretty simple and yet most people wait too long to begin saving even a little. Dont depend on a pension or social security - consider them nice additives if they still exist when youre ready. 