<prompt> Human: Hello,Im a 22 year old who currently lives with his grandparents rent-free. I chip in whenever theres a need.I currently have 12,500 in savings. No debt. No car. No relationship.Here are my stats:Im 5 months into my first real job as an accountant.My first 401k contribution is this Friday.My employer matches 100 the first 3 and 50 the next 2 5 contribution nets 9.My allocation as follows:All three are at 0.72. The other options all have 1.09 expense ratios.I also intend to dump 5,500 x2 2013 and 2014 into a Roth IRA with Vanguard before April 2014, Admiral status and all that stuffs.What must I do to retire by my mid-40s?Edit:Thank you all for replying. Heres some additional information.Living SituationI will probably continue living with my grandparents until they die. My family is Chinese, so theyre big on family staying together. My grandparents used to live with my father. However, one of my grandparents and my step-mom doesnt see eye to eye, so they moved out to one of my dads second house. After graduating, I moved in to keep an eye on them.Relationship?Ive never been in a relationship, and dont intend to until Im happy with myself financially, mentally, and physically. Seeing my guy friends buy their girlfriends a bunch of stuff for Christmas, I can only think Wow... Its going to be hard to find a girl whod be interested in a miser like me! That I also am interested inSo yeah... thatll be awhile.Buying a HouseI would like to one day buy a house, but thatll have to wait until Post-Tax Savings from below start making me extra money.I live in the SF Bay Area, so thats going to be a hefty amount!Income IncreasesIm aiming for 10-20 raises annually. Im... pretty confident that its doable.Lifestyle InflationIve told myself Id go shopping for clothes 3 months ago. I still havent. I agonize over every small purchase... I dont think my life-style will inflate at at higher rate than my income!Post-Tax SavingsI intend to do one of the following with my post-tax savings: Down payment on multi-family housing so many ways to play with taxes here Long-term growth stocks with a brokerage firm I still believe in the US economy Index funds if I am lazy.Of course, I will run the numbers on all three options before I commit, but thats probably going to be quite a bit in the future!Annual Living Expenses after RetirementLets just put 50kyear as a base-line. Im probably fine with half that. But I think like a dragon. HOARD HOARD HOARD!401k Contributions AmountI picked 5 because of a multitude of reasons: Match stops at 5 Expense ratios are poop I want to have post-tax savings of 24,000year for one of the things in Post-Tax Savings 59.5 to withdraw without penalties unless I want to jump through hoopsNote that I will increase the contribution amount as my income increases.I am also going to start planting seeds in an attempt to get my company to switch to a better 401k program. Nobodys going to listen to a 5-month old upstart, so it will take awhile.IRA ChoiceI chose Roth IRA because my marginal tax rate is relatively low, and I intend to have passive income during retirement.Portfolio CompositionUntil my 401k has lower expense ratios, or I have enough in my IRA to have a healthy composition of bond and equity funds at a low expense ratio, my portfolio will be 100 stock. The first 11,000 in my IRA will probably be in an admiral class equity fund.So yeah, Ill adjust to a more conservative allocation as time passes and my retirement fund increases.My Life...I honestly dont really know what I want to do with my life... So Ive set this retirement as a goal... for now. Its a moving target, and to be honest, I still feel like a five year old who has yet to realize what the world has to offer. So... I might as well save so that Im ready to do... anything!  <response>: rfinancialindependence 