[fefzero]

Starting young is great. You're hinting at one of the other keys that has helped me, which is to make it automatic. This is often more important than the vehicle you choose for investment. If I automatically invest a certain amount each month it's just like you say - I never miss it because I never see it. Make saving as easy as possible (and what's easier than automatic?) and spending as hard as possible and that will drive your savings rate way up.