<prompt> Human: Im starting at zero and I have 16 years. What is the best way to go about saving up at least 20,000.00 in that time? Right now I could realistically put aside 50.00 to 75.00 per month, but I can ramp that up over time as my income grows.Sidenote, I looked into 529 plans, but Id rather she not be forced to use it for school. Flexibility is good.Thanks gurus!  <response>: Are you saving enough for retirement on your own? If not do that. 