<prompt> Human: Based on what I have read here, the primary advice for retirement in the US seems to be putting 18.5k and 5.5k per year into 401k and IRA accounts before savinginvesting excess money. Why would someone in their 20s need to be putting away 24k per year towards retirement, before considering things such as saving for a house or regular investing in the stock market index funds?Help me understand this.  <response>: Goals its all about goals. Whats important to you? 