<prompt> Human: Im 32, but I only have 35k saved for retirement Roth and 401k combined. Because I had a car and student loans to pay off, and a job that paid 40k year until 2014, I could only put away what I could reasonably afford.While Im happy for younger Redditors who have saved substantially more than I have e.g. age 27, 100k in retirement accounts, Im discouraged for not keeping up with the Joneses i.e., those on this subreddit and concerned that Ill be working until the day I die. Id really like to hear from others who started saving late andor didnt have much built up in their retirement accounts, but either got back on track financially or have since retired at a reasonable age - itd help me shift my mentality from Crap, Ill never be able to retire throws up hands! to Im not screwed - I just have to be dedicated and thoughtful like these people!Edit: Thanks for the words of encouragement and reassurance! Im already feeling more motivated to ramp up my savings for the future.  <response>: Keep in mind that probably all people who come on to an investing or personal finance forum have retirement savings thats why they have an interest in it. A lot of the general public doesnt. I know people much older who dont have jack saved because of misplaced notions of losing money in the market etc. Having only 35k saved for retirement at 32 is completely fine, you have another 28 years for it to grow. Also be aware that people frequently lie about where they are in life, especially on the internet. 