<prompt> Human: So my background isnt anythig terrible, but still it scares me. I got my cpa about 2 years ago and had to take a year off for it. I have a good job now at the age of 29 at a respected auditing firm. The issue is i dont have alot to my name. 15k in retirement, 4k in an hsa. 5k in the bank. My biggest expense is 1.1k in rent, followed by food. Income is 63k and will hopefully climb. 0 student loans but 3.4k jn cc debt. What scares me is how much everyone my age js ahead of me financially. What can i do to catch up?? I feel so behind. My retirement seems so low compared to others. At a loss here, worked hard to get my cpa but doesnt feel like it paid off so far  <response>: You are fine and making more money than the average usa house hold.Just start saving for retirement now.Try to Max out your 401k, open a Roth IRA and Max that out. In 5 years you will have a good base 