I would to take a minute to urge the younger people on this forum (those in thier 20's) To seriously consider starting a reliable retirement fund. I would recomend either a Traditional or a Roth IRA.

In the last couple of years we have seen company pensions vanish and 401K plans fall apart. Even Social Security is likely to go belly up before you guys would ever collect a dime.

The point is that in the end you can only rely on yourself to take care of your retirement, not the company(s) you work for or Uncle Sam. The good news is that IRA accounts can be opened in some places for as little as $25.00. Make a modest contribution on a monthly basis and let the accrued interest do the rest.

Like all compounded interest instruments, with an IRA, the earlier you start, the more it will be worth when you are ready to leave the world of work. Best of all unlike SS, it is truly YOUR Money and cannot be taken away.