<prompt> Human: lets say I dont save anything in my when Im young, will starting in my 30s be too late? I know its better late than never, but will getting a very high paying job the only hope?  <response>: Too late? No. But youre going to have to contribute more in your 30s than in your 20s. In your 20s you can get away with 6 or 8. In your 30s, youre looking at double digits. Plus youre giving away free money if your employer matches. 