Social Security won't exist when we, the 20-somethings, retire....

That's one thing I really like about the company I work for. We have a retirement fund (SEP) where each week they put 10% of what we earned that week into mutual funds...They don't take 10% out, they basically add 10% to what we make, then put that 10% into the funds, if that makes sense. We have a financial advisor through Morgan Stanley that we talk to each month. They offer their advice, but we get to pick what to funds to sink our money into. I try to keep about 80% of mine in the "safe" mutual funds, and since I'm young, I keep the other 20% in some of the high risk stocks. Haven't lost yet, but I'm not rich either.... :D

I've been considering sinking $500 into the market and try day trading. That's one reason I'm playing around with the VSE, to test my skills. So far, the skills aren't there.... :p I'm learning though........