This reminds me of my dream investment when I was young which was a lot for the future housing. But funds were in a mess and savings were rare so I only had the time to save money for investment was when I was nearing retirement age, that's about 45 years old. But if a young employee has the self-discipline to save and to invest the money then he would have a lot of funds when he reaches retirement age. That is really envious and admirable.