I started with my 1st job but have had life set backs many times and had to use it. I found a trick that is helpful though. With Every raise/pay increase put at least 50% if not all of it towards your pension/401K or whatever. Increase your savings accordingly each paycheck instead of taking the extra cash. Do the same with any/all bonuses. NEVER keep the whole thing. At least 50% put into your pension/401K/IRA or whatever you are doing to save.