Ask HN: Save for retirement?
I'll try and skip a big intro.<p>I am 27, after having dropped out of school and dicked off / traveled / had a good time for most of my 20s.. struggled doing free lance web devel stuff for a year and a half, and eventually took a full time job.<p>I make ~55k a year after having lived off ~20 or less for the last few years, I have a few grand in debt (7% apr).<p>Saving for retirement at this point seems like not a great bet.<p>It seems like any meager thousands I could put into an account at this point would be much much better suited to capital for investment / risk taking rather than sitting in a 401k I can't open for 40 years.<p>I don't really have much of a life-plan beyond the next year or so.  But I do expect to make a lot more than 50k a year in the next 40 years.<p>Does anyone else think like this?  I also have been just paying the minimum on cc bills for a while, assuming that in the future they will be 'easier' to pay.