<prompt> Human: Im just curious if anyone has recommendations. Im 27, have almost nothing saved up, and only have 100-200 a month that I could use for savinginvesting. Should I wait to save for my future because this amount is so low and pay off loans or is there a sensible path to take so that Im not working until Im 90 years old?  <response>: You should NOT wait to save money because the biggest benefit you have now is time. The money you save now, properly invested, will grow and be worth good money in 40 years. 