Thanks for the tip on the app. I am 31 and a licensed barber, I have an IRA and i put into a 401k with a part time job I work once a week. So far only about $1,700 saved for retirement but it's been nice seeing it go up. I also have am emergency fund of about 7 months of expenses. Best thing especially for barbers is plan plan plan for the future. It's easy to spend money and not think about because we get so much cash and can easily make it back, still saving for a rainy day and retirement is a must!