If you get a job that offers you a 401K. Take it. If they offer you company matching, take that too. Every year put a little more percentage wise than you did the year before. Then when you retire at 65, at least you will have something to live on. At your age the social security ponzi scheme will be defunct by the time your old and gray. There is nothing left now since the democrats have dipped into it like their own private piggy bank to many times that it's all gone.