This kid I just talked to is making $90K saving $18K/yr for retirement and employer matching $10K that is 2.8 million shillings for retirement at age 25. By 65 this person will be a millionaire and will be so loaded they won't have a way to spend it all. If you are the 10% of top students and performers in USA life is just a pursuit of happiness, The mortgage is almost paid off so they will be debt free in another 7 years