<prompt> Human: I am 29 years old. Married. One child. I am an independent contractor Tile guy. Make about 30-40k a year. My wife and i own a home. We have two vehicles financed. Our household income is around 100k. I am reaching 30 and have officially missed what seems to be the most crucial 10 years for investing in my retirement. I know i am late on the wagon. My big question is whether or not i should start off with aggressive investment options or stick with moderateconservative mixes now that im a bit behind the curve. Any advice or direction would be much appreciated. If there are details i did not include that would impact your opinion feel free to ask away.  <response>: Im older than you and almost all stocks. If you pick an age related fund you will see they are at least 90 stocks for your age.Dont worry. You are 30. If you ignore the finance blogs and articles about what you should have and look at reality, virtually no 30 year olds have a meaningful retirement. Some do, most have nothing. You still have 3 decades, which is ample time, to get going. 