<prompt> Human: I have no retirement savings at all.. I just got a real job making 70k. Ive been working bs jobs and screwing off in my entire 20s. Im now finally making decent money and have a college degree. I have no savings, no retirement savings. My job doesnt even offer a 401k. Im going to open a RoTH Ira, but can I rely on this to retire? If I contribute the max each year into a Roth IRA, can o retire comfortable? Im assuming Ill also have some social security as well? I live in Houston Texas. Edit: I have no debt aside from a car loan for 9k 4.9  <response>: Looks like youve just made it, 34 is the cut off sI got serious at 33 after living pay check to pay check, earned less than you are at now. Get the emergency fund in place, youll have a more of a piece of mind that will then allow you to start investing e.g. etfs. 