<prompt> Human: Throwaway account Im 40 years old, faced with the fact I will never earn more than -17.00hr due to my limited education. I am debt free, except for a small mortgage and the associated utilities that go along with owning a home. If I were to start now and put away 500-600mo in some sort of investment vehicle, would it be realistic to think I could retire at 65? Any suggestions would be greatly appreciated. Thanks!  <response>: I suspect that you are doing better than you think.Keep saving. Consider making consistent small investments that can appreciate tax free. For example, research index fundsEducate yourself concerning finances. Go to the library and check out The Millionaire Next StoreBe planful. Be disciplined. You should be okay.Best of luck! 