I didn't care at all about saving money for retirement (and also for rainy-day funds) until I was 30 years old. Granted the jobs I had between high school and age 30 didn't pay too well I still never thought of saving anything.
For the last few years I have been maxing out my 401K, and buying company stock at a discount. Between the 401K match, employer contributions, and stock purchases I figure I am saving/investing about $50K a year. Assuming normal appreciation, no crazy tax changes, I can run with that approach for the next 15 to 20 years which should end in a pretty big pile of money on top of what I already have saved. I know it's a risk to buy up stock, but at a 15% discount and the company has a great history of growth it could be/should be easy money.
Hopefully I'm not posting on this thread in 15 to 20 years saying my current approach was a bad financial decision
