How aggressively should our generation save for retirement?

Originally Posted by Lord Styphon

To be perfectly honest here, just how many people here do you expect to have a clue about stocks and bonds?

I could be totally wrong here, but I think most people in their early 20s have more pressing concerns than stocks, bonds, and retirement; things such as getting through and paying for college, and then finding a career that they can retire from forty years from now.

To be perfectly honest, some of us work full time jobs, are out of college, and have 401K plans and the like. If we don't NOW, we will as soon as we hit the working world out of college, provided we intend to use our degrees instead of working at McDonalds with no benefits.

I know I personally would like to be more educated about financial investmests, and I don't really see the harm in discussing what a guy should do when he starts making a little money.

The discussion of Roth IRAs, bonds, investments, stocks and so forth are actually something that should be more widely discussed in my opinion. Most people our age are pretty much clueless about their options when they get hired fresh out of college.

Edit: Incidentally, I only have a 401K put aside for myself at the full 4% allowed limit. I have most of said funds invested in around %70 long-term investment and 30% in aggressive growth. I could give a run down if anyone is interested, but I doubt anyone is. (I'd also have to look at records)

I hear a lot about these Roth IRAs, but I'm a little chickenshit to throw myself into the investment world to be honest. If anyone can enlighten me on the benefits on drawbacks of them, I'd love to hear them.

Jam it back in, in the dark.