### Author:  [@newman](https://forums.speedlife.net/u/newman)
#### Post date: [September 30, 2005, 7:07am UTC](https://forums.speedlife.net/t/retirement/2896/5 "2005-09-30T07:07:22Z")
i’m a girl. i spend all of my money… but when i get out of the car game i wanna start trading commodities.
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### Author:  [@chino](https://forums.speedlife.net/u/chino)
#### Post date: [September 30, 2005, 7:07am UTC](https://forums.speedlife.net/t/retirement/2896/6 "2005-09-30T07:07:27Z")
> [@Zer0DazE](#):
>
> werd, i have 25% of what i make gets invested. my gf bitches that i never have money… she just doesnt get it. thats becasue shes a girl.
haha yea, its so true, i don’t have everything i want now, but when im sitting on my ass doing nothing from 55-90 or whenever I die, it sure as hell will be paying off :tup:
my girlfriend bitches about “i hate how all my money goes into my stupid 401K” on her checks, she actually is doing a real good job of investing her money but doesn’t realize it i don’t think 😛
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### Author:  [@Zer0DazE](https://forums.speedlife.net/u/Zer0DazE)
#### Post date: [September 30, 2005, 7:11am UTC](https://forums.speedlife.net/t/retirement/2896/7 "2005-09-30T07:11:35Z")
> [@newman](#):
>
> i’m a girl. i spend all of my money… but when i get out of the car game i wanna start trading commodities.
another guy and i have been looking into that recently. there seems to be a lot of money there that im not making
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### Author:  [@chino](https://forums.speedlife.net/u/chino)
#### Post date: [September 30, 2005, 7:13am UTC](https://forums.speedlife.net/t/retirement/2896/8 "2005-09-30T07:13:03Z")
> [@Nikuk](#):
>
> Alot of people never give a thought to retirement, until they are 30 or 40 and then in a very bad place.
>
> \
thats the biggest thing people miss. the difference between starting at 20, and starting at 30 is sooooo fucking big.
Take two people, both investing at 10% average return.
someone that is 25… invests 2K per year until they are 35, total investment of 20K and keeps that money invested without adding to it vs. Someone that starts at 35, invests 2K per year until they are 65.
guess how much money each person has when they are 65.
the investor investing 20K between 25-35 years old ends up with almost 675K in their fund at 65.
the investor that invested 60K between 35 and 65 years old ends up with only about 400K at 65.
once i realized that, i started investing my money. maybe this will help someone else motivate themselves to invest 😛
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### Author:  [@newman](https://forums.speedlife.net/u/newman)
#### Post date: [September 30, 2005, 7:14am UTC](https://forums.speedlife.net/t/retirement/2896/9 "2005-09-30T07:14:44Z")
> [@Zer0DazE](#):
>
> another guy and i have been looking into that recently. there seems to be a lot of money there that im not making
let me know if you wanna look into this together.
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### Author:  [@Zer0DazE](https://forums.speedlife.net/u/Zer0DazE)
#### Post date: [September 30, 2005, 7:19am UTC](https://forums.speedlife.net/t/retirement/2896/10 "2005-09-30T07:19:25Z")
werd, once we get some more reading and research done, i will let you know.
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### Author:  [@Jack](https://forums.speedlife.net/u/Jack)
#### Post date: [September 30, 2005, 7:35am UTC](https://forums.speedlife.net/t/retirement/2896/11 "2005-09-30T07:35:55Z")
my raise usually gets added to the 403B annually… but I’m broke now, so there is no way I could afford 25%
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### Author:  [@POOPRA](https://forums.speedlife.net/u/POOPRA)
#### Post date: [September 30, 2005, 7:45am UTC](https://forums.speedlife.net/t/retirement/2896/12 "2005-09-30T07:45:54Z")
I do 10% and get a company match of 5%… Done it for the past 5 yrs and sure has not amounted to anything crazy. Makes me think a 401K alone aint gonna be enough to retire on since SS will probably be used up by then.
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### Author:  [@Jack](https://forums.speedlife.net/u/Jack)
#### Post date: [September 30, 2005, 7:47am UTC](https://forums.speedlife.net/t/retirement/2896/13 "2005-09-30T07:47:04Z")
I’ve been saving since I was 18… unfortunately thats when I could afford to save more and I didn’t/
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### Author:  [@RedGoober4Life](https://forums.speedlife.net/u/RedGoober4Life)
#### Post date: [September 30, 2005, 7:48am UTC](https://forums.speedlife.net/t/retirement/2896/14 "2005-09-30T07:48:57Z")
I don’t plan to retire. There’s always something that I will be doing. Retirement is a waste of time. It’s like waiting to die. I don’t want to wait around to die.
This doesn’t mean I’m not going to save my money up so that I can work less/travel more at that age, but I plan to always have some sort of employment, whether that be at a university or otherwise.
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### Author:  [@funkylemons](https://forums.speedlife.net/u/funkylemons)
#### Post date: [September 30, 2005, 7:49am UTC](https://forums.speedlife.net/t/retirement/2896/15 "2005-09-30T07:49:39Z")
I’d love to retire out of the airforce… and go on flying commercially… govt retirement + fat paycheck from other job = $$$… $$$ = the car i want my old ass to be driving around in…
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### Author:  [@chino](https://forums.speedlife.net/u/chino)
#### Post date: [September 30, 2005, 7:49am UTC](https://forums.speedlife.net/t/retirement/2896/16 "2005-09-30T07:49:39Z")
> [@POOPRA](#):
>
> I do 10% and get a company match of 5%… Done it for the past 5 yrs and sure has not amounted to anything crazy. Makes me think a 401K alone aint gonna be enough to retire on since SS will probably be used up by then.
sucks, since we don’t really sell anything yet (start up company) they don’t match, if they did i’d be sooo hooked up.
company matching is where its at
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### Author:  [@Jack](https://forums.speedlife.net/u/Jack)
#### Post date: [September 30, 2005, 8:16am UTC](https://forums.speedlife.net/t/retirement/2896/17 "2005-09-30T08:16:49Z")
I get matched up to 5% at work… not bad
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### Author:  [@Lucky\_Cheater](https://forums.speedlife.net/u/Lucky_Cheater)
#### Post date: [September 30, 2005, 8:22am UTC](https://forums.speedlife.net/t/retirement/2896/18 "2005-09-30T08:22:36Z")
Im saving…but I have some bad feelings about the future of this country in general…things arent goin too well. Hopefully it’s just your average recession and nothing big.
-Cheater-
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### Author:  [@Daddie](https://forums.speedlife.net/u/Daddie)
#### Post date: [September 30, 2005, 8:30am UTC](https://forums.speedlife.net/t/retirement/2896/19 "2005-09-30T08:30:50Z")
I picked an ROTH IRA, because it’s post tax, and you don’t get fucked with tax later.
Actually. I’m gonna start a thread about this.
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### Author:  [@Zer0DazE](https://forums.speedlife.net/u/Zer0DazE)
#### Post date: [September 30, 2005, 8:42am UTC](https://forums.speedlife.net/t/retirement/2896/20 "2005-09-30T08:42:31Z")
right now i have 10% pretax with a 25% match,
8% post tax into a Roth IRA, and then
8% post tax going into various other investments.
once i pay down some more credit card debt i will be able to put more in to the last 2.
who is your IRA through?
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