New RN (almost) 401k and Retirement

2 Greetings.

I am a 23 year old BSN student set to graduate in Dec. As soon as I land a job, one of my biggest financial obligations will be to fully fund my 401k and start using a Roth because I have been taught that if I begin early, the money that I invest can grow exponentially more than it would if I were to wait until I was 30 to start saving..
I want to know what you all do for your 401k and retirement?

I just have a few questions regarding your 401K/Retirement plans, and I would greatly appreciate all responses.


1.)How much does your employer match?

2.) How old are you? OR How old were you when you began saving?

3.) Is your 401k your only source of retirement savings, or are you investing in other options?

4.) What percentage of your pay do you contribute?

5.)What age would you like to retire?


Also any financial advice you have for a childless, new RN with very minimal financial obligations would be greatly appreciated (Hindsight is 20/20, right?)

-Thanks
I am way impressed!! I didn't get my act together until I was in my late 20's but made huge strides in that time largely buying and living in less than pretty homes, paying off the mortgages very early and investing in rental properties. We also max our Roth IRAs out every year. I contribute to my 403b and 401k whatever my employers will match. I have always worked 1 main job with at least 1 or 2 PRN positions for the increased pay rate. I also work weekends and holidays which results in a significant increase in my base salary. If I can afford health insurance I will retire between 60-62 as I have no desire to hang around to the point where people are saying "yeah back in her day Jules was a really good clinician". It helps if your relationships are with people who are liked minded with regard to finances but the absolute best advice I can offer is to work hard and live just a little below your means.

As a new grad, I spent way too much on rent. Yes I had a killer apartment and it was fun to live in but I could have purchased a condo or townhouse with what I was paying. I didn't listen to my parents either and didn't start thinking about retirement until age 30.So don't do that and you'll be a step ahead of many!

I started saving for retirement later because I saved for the down payment for my house instead. Although I don't regret it, hindsight says I could have done both. My hubby started early in his retirement savings so he has twice as much saved for his retirement. I figure I'll sponge off him since he lives in my house