Did you create a retirement plan for yourself?

RETIREMENT PLAN : START EARLY; It is essential to start saving and investing as early as possible for your retirement.
The best opportunity for someone to do this is when they finish their education and start a full time job.
The change in income is usually very large at this time and it is possible to save a good percentage of income while still upgrading their student lifestyle.
Many new college graduates have loans, but they can pay these off slowly while saving and investing for retirement at the same time.

true but most important you must not start a retirement plan so early perhabs mid30's might be my best choice