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OK Jeff-- you can sit there and whine.or you can embark on a whole new way of thinking. I suggest the second chose. The Fools on this board are probably like me, started with nothing. But everyone can end up with a very comfortable retirement if they decide to do the work necessary, and only you can do that. If your company offers a 401 plan sigh up NOW> Invest in a IRA . You have no money left over after paying your bills? Take a look at what you could live without, Eating out, rent movies instead of going out to movies, drink beer?, cut back, take a look at all the ways you spend, write it down for 3 months and see where you can cut back. Have a set amount taken out of your pay, I garentee after 3 months you won't miss it. Its up to you, it worked for me and probably everyone on this board and it CAN work for you but its up to you to make it work. Good Luck, mepiper
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