<prompt> Human: Hello all,I am 23 years old and always very conscience about retirement. I am always very concerned on making the right moves to be financially stable when I am older. I would definitely like to retire before the age of 60.My Background:Making about 70k a year.Contributing 5k a year into a ROTH. Actively managing my investments. Currently all are in dividend stocks set up with DRIPs. Company match 401k is 6. Dollar for dollar for the first 3 and 50 cents on the dollar for the next 3. I am contributing 6 to take advantage of the full match.I put about 200 a month into my trading account and do some swingday trading when I have time.I am saving about 500 a month into my savings account for emergencies.I have some school loan debt and thats it.I have been thinking about purchasing an investment property but I would need to find the right partner in my area.Basically my question is, if you had to go back to being 20 years old and do it all again...what would you do?Thanks for all your help!EDIT:I want to thank you all for a lot of great responses! Heres what Ive gathered so far:- Max out ROTH IRA at 5k a year- Max out 401k- Save 12-15k for emergency fund and place it in a savings account to hopefully earn some interest- Take care of your teeth! Dental care is expensive- Invest and take advantage of compound interest- When you have kids, start a 529 plan for them for college  <response>: Max out your 401k in addition to the IRA. 