Saving for retirement and all ancilliary activities are just about the most boring thing I can imagine. At least, the most boring thing that I actually would find myself doing. It's just unpleasant. I have a financial advisor right now (not a permanent deal) to tell me how much I should save each month for retirement, so that makes things pretty simple. I'm sure I could have figured it out myself, but it helped to get some advice. Anyway, that's not so bad, I guess. It's trying to think about getting a house and a car eventually that just dunks me into the tank of I-don't-care. I guess I have an advantage over some people; since there's no one else in my life, I can just save however much or little I want for these things, and it's less important that I save at least $X each month into this configuration of accounts to meet my goals. I was getting so happy with the extreme flexibility of having a huge pile of cash come in each month, and now that's going to end. I've started buying stock, contributing to a 401(k), and I just put $2,500 into a Roth IRA tonight. Soon I'm going to have to start saving up for a car fund, and I'll be down to a hundred or two bucks of disposable income a month. I mean, it still puts me in a good situation financially, but having so much of my money predestined to go far, far away each month is sad.