Any financial adviser worth anything will keep repeating this mantra over and over – contribute as much as you possibly can to your retirement accounts, starting right now. If you have a financial adviser and this advice doesn’t sound familiar, fire him immediately – he’s not looking out for your best interests. The power of compound interest is impressive, and even a few extra years can make a world of difference when it’s time to leave the working world and go fishing all day. Just take a look at a couple numbers I ran through a calculator, concerning Roth IRA’s. Please note that none of these numbers are adjusted for inflation, which can have a significant impact.