<prompt> Human: Im looking for my next steps in life in terms of finances. All my relevant information is below.Just turned 20 years old about a month ago. Also received an Associates Degree in IT Networking as well at that time. Transferred over to a university to continue on and get my Bachelors and eventually Masters Degree. I currently make 55k a year and live with my parents, meaning that paying my tuition is not too difficult. I have 0 debt and just shy of 35k in savings and will graduate with 0 debt as well, hopefully. I have 401k through my work, Im giving 4 and my company is matching it highest they will match is 4. My parents bought me a car for a high school graduation gift, yes lucky me, so no bills there other than paying for gas 60 a month and insurance 150 a month. My work just started paying for my cell phone bills a couple months ago so I am covered there. I also just opened up a credit card last week and will start building my credit using it responsibly.What should my plan here be? Just keep saving money at a high rate?  <response>: Just turned 20 years old about a month ago live with my parentsI wouldnt be concerning yourself with early retirement at this point. Keep up the school, savings and increasing your income.Until you have a sense of what kind of life you want to live, you have no notion of what kind of nest egg would be required for you to retire early. 