Save for retirement starting with your first paycheck.

Ever since I heard Clark Howard talk about retiring a millionaire by saving a few thousand dollars for a decade while in your teens/early twenties, I've been keen to save towards retirement.

I've been out of work a lot more than I'd like, so I've not had paychecks to bank towards retirement. I had a 401(k) when I worked at Target that I rolled into the 403(b) when I went to work for the hospital. When I was laid-off from the hospital, the 403(b) turned into an IRA. I didn't like the options available when I had my most recent employer, so I didn't roll the IRA into its 401(k) plan. I had a 30% company match, so I saved as much as we could afford, which makes my being let go less painful in that we lived on less than we could have been. Definitely looking forward to working again so that I can start saving towards retirement.