<prompt> Human: Im just wondering if Im the only person to feel that the continuous Roth payments are a never-ending monthly burden. At 24, I feel that I will be making these 500monthly payments for the next 30 years or so hoping that I make it to 60 years alive. I make a good income, but live in an expensive city where it makes it tough to ever buy a home. Ive been making these payments for three years or so, but it just seems like such a drag every time I do instead of feeling good about it which I probably should. Does anyone feel the same way? Have any advice to share?  <response>: IMO, not contributing to a retirement fund gives me the same feeling as procrastinating on doing that semester-long school project. I mean, I suppose I could hope to die before the semester ends... 