[SuziQ]

You can put away as little as $5 a paycheck. Let’s see...$120 a year...for say, 50 years...that’s $6000!

You don't seem to be taking into account what Einstein called the most powerful force on earth; compound interest!

[informavoracious]

That compound interest will be eaten up by inflation. And when interest is 1%, how far will that get you?