[ThinkDifferent]

I am 21, and by the time I retire, the retirement age will probably be 75-80 or something. Hell, I may die before being able to retire.

I hope you're not actually planning on SS as a means of funding your retirement.

[rwfromkansas]

Oh, no, I am not planning on SS to cover any of it.

I guess I need to put it in my mind that the "retirement age" is only when you will get full benefits if SS is intact. It does not mean you can't retire sooner.

Once I get out of college and am in a job, I will start saving immediately...Roth IRA, 401K etc.

If you even wait until you are 30, that cuts down on how much you save by quite a bit.

I was just making a comment that by the time I get old enough to retire, the age for full benefits will be really high probably.