<prompt> Human: Feeling bad about it and feel the need to confess it somewhere. I was able to contribute starting at 27 years old but didnt, mainly out of ignorance. I did contribute to a 401k, but I could have been doing more. Arg.  <response>: I was 33 four years ago when I started. Theres always somebody ahead of you and somebody behind you, thats why its pointless to compare yourself to others. The only one you are competing with is yourself, and the greatest part is that you get to decide what success means. : 