One of the constant themes of this site and financial textbooks is that compounding gets more and more powerful the longer the time horizon. Consider that $10,000 invested at 11% for 10 years is only $167,220, while the same amount invested for 40 years is roughly $5,818,261 – four times as long results in nearly 35x as much money in your accounts. That is why it is so vitally important for you to start as young as you can; put money into a
Roth IRA and always, always, always take the 401k contribution match provided by your employer.