I bartended my way through college then packed up my worn-out 71 Cutlass and drove to Upstate NY to work for Eastman Kodak, remember them? It still was not enough money to live on, so I still worked as a bartender four days a week.

I moved from job to job as opportunities presented themselves. Some would call me privileged but I busted my ass.

One move I did make was that I enrolled in a company 401K and started saving 10% to 15% per paycheck.

I have encouraged all coworkers, many of who are much younger to enroll in the company 401K. What is not mentioned in the article is that the employer oftentimes offers an employer match of 3 to 4 percent. Then there is compounding interest and there are years where you may have an annual return of 4% and years when the return maybe 12%. Don't let the message below discourage you from saving for retirement.

"In the actual video, they threw out a number for hitting three-quarters of a million dollars by 40, 45, and 50 years old. To do this, you’ll need to invest just over $2,500 a month to hit $750,000 by 40 and just over $1,200 a month to get there by 50, assuming a 4% rate of return. They say you’d have to start saving these amounts monthly at age 22 to get there."

The road is long but for me, the end of the tunnel is days away as I will retire at age 59.5 on August 27 which is four days from now.

If you say you can't do it then you won't, however, I say if you set a goal and put your mind to it you will.