<prompt> Human: So Im 18 right now and I know a lot about the stock market and how to invest there, should I learn about retirement funds like 401k etc or should I just not bother? Like if I were to get a 10-12 yearly return on my index fund investments would it be more advantageous to me to do a retirement fund?  <response>: should I learn about retirement funds like 401k etc or should I just not bother?Id say being educated regarding 401ks, IRAs, and the like, where most of your life savings will eventually reside, is preferable to remaining ignorant on the topic. 