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No. of Recommendations: 2
Right now, I am trying to start planning for my retirement (I'm 30 years old, I'm starting a LITTLE LATE).

I guess I'm a LOT LATE then. Started investing in about 2000, when I was 52. Soon figured out that I should start a 401(k). Unfortunately, we get no match.

Like you, I've learned a lot at the Fool :)
Just wish I didn't start buying at the height of the bubble :(

Always lived below my means though. Never owed anything on a credit card.

Anyway--you should definitely get on your 401(k) program--at least up to the match. One good thing about a 401(k) is that you are paying yourself first--the money comes right off the top, so it's an easy case of financial discipline. (I myself don't miss the money at all. It's gone before I see it.) Plus, you bring your current tax liability down. I think it's great.

Next I like the Roth IRA. The value can grow and you'll never pay tax on the growth. (At least, that's the way the rules are now. And I don't think they'll change them.) Plus, unlike with a traditional IRA, there's no minimum required distribution at age 70.5

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