<prompt> Human: Ive got an aggressive plan to pay down debt and save money this year. Looking to purchase a home in the next year as well. I will be 27 at the end of this year, and likely wont be able to make any contributions to retirement until January of next year based on my current budget. Am I setting myself up for problems, or is starting at 27 feasible?  <response>: If you are debt free at 27 you are doing better than most. Best time to start saving is as soon as you can, never to late to save a dollar or two 