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Go to school get a job have a 401k which I believe is the worst investment in the World it's not an investment well it is An investment obviously but think about Why the 401K was created so the Gentleman that created the 401K go look This up he's quoted I'm paraphrasing Saying that he created a product in 1978 That made Wall Street wealthier why do You think they created the 401K guys It's because the US dollar was becoming Weaker and weaker and weaker and used to Have pensions so you get paid for the Rest of your life you could live a Really good life but they started to get Rid of Pensions and what they did was is They moved into a 401k for I believe two Reasons just my opinion number one is The P to lower the cost for them and Number two is to pass the risk on to you That's what a 401k is all about it Passes well but I'm getting 8% I'm Getting the match guys 401K cost them a Lot less than a pension plan