<prompt> Human: Just got a job, hoping to contribute about 200 to retirement each month, but employer does not match until after two years of employment. I was in schoolliving abroad up to this point and the move home chomped up all my savings. I am feeling utterly overwhelmed and hopeless at the thought of retirement savings. I want to see a financial advisor to discuss my options, but I am living on a tight paycheck. Any advice would be loved.Debt: 700 - credit cardStudent Loans: 0Savings 2,995I am planning on putting aside an additional chunk of money per year-- at the end of year to go towards retirement to make up for a lack of retirement savigns in my early years. I didnt graduate college and go directly to the workforce-- went to grad school.  <response>: Breathe. Youre fine. Youre still very young. You will get a handle on this. It will seem slow going at first. But guess what? In ten years youll still be relatively young, and if you make a plan and follow through, you will have started quite the nest egg. Ill leave it to others to give more practical advice, but trust me that 27 is a very young age to be planning this. I mean, its not retire-at-45 young, but very few people have the brains and means and opportunity to pull that one off. 