<prompt> Human: Im now making 33,600 before taxes are taken out. My rent is 750month plus about 100 in utilitiesinternet. I probably spend about 300ish a month on food. Ive got 3 credit cards Im not using, but trying to pay down about 50month each and no other major loans. However, my car is 13 years old, and at some point it will have to be replaced. Is there anything in the world I can do at this point in my life to save for retirement? Thanks. Edit: Forgot to add. I pay about 150 on car insurancemonth. I could bring it down by about 10month by reducing coverage, but the required stuff still keeps it all pretty high.  <response>: Youre not in the greatest situation. BUT, with some effort, you might be very okay!For a rough example: If you were to invest 325 a month starting now, and work until youre 70 years old, you could retire with 500,000 assuming a smooth 8 return, but hey, were just brainstorming here. That doesnt sound so bad, does it? On top of social security or whatever else?Yes, there are variables. Maybe 350 a month is too much to afford right now. Maybe 70 is too old for your line of work physical job?. But you still have 2-12 decades before retirement, and youre doing fine now, so keep your eye on the ball and you can make it happen.In the meantime: Budget, be frugal, focus on your career... The exact same things everyone else on rPF are trying to do. Good luck! Hey, even if you hit half the number in my example, thats still 25K a year for another 10 years in retirement income. 