I will have received everything i paid in. My woes come from me not planning. That is clearly my fault. Than 1100 per month. I have to say, im elected official in my local community, but only gives me about 300 per month. You can do it, you just have to live within your means. We live in a society that something does not know how to live within its means. Host you said you blame yourself for not planning. If you had, when would you have started, and what would you have done differently . Caller i had a wonderful start , and i completely fumbled it. I had stock, there was a program, they would come out every two years, and you could buy stock in the company. It would have really flourished had i stayed. Just that one thing would have sent me out pretty well for retirement, plus muscles of plus my Social Security. You have to live within your means. Thats all it is. We live in a nation of entitlement. Anont consider my entitlement, something i paid into, but once i get past the five year