I'm toptomato, a 32 yo, unemployed slacker. kidding!
Actually my husband and I just moved back to the US after living and working overseas for 3 years. We just bought our first house here in California, and feeling the tight squeeze during the first year of our mortgage (mostly due to living in out-of-control-yet-beautiful California...). We are trying to be ultra-frugal and we have our first retirement accounts as well. My student loans leftover from college will be paid off in January 08 -- only 5 months to go!! Then the only debt left is our mortgage. Now it's all about wealth building. That's why I've been so attracted to GRS.
In the meantime, I'm trying to re-create my career since I haven't been happy in my previous jobs - yes, i really am unemployed, but don't tell my husband about the slacker part. Sadly, I've been discovering that I'm overqualified or too narrowly qualified for many of the interesting jobs I've interviewed with so far. PhDs sound cool, but boy, are they ridiculously narrowly focused. Plus they make you a little batty. And they really delay retirement funding.
Man, if I knew then what I know now, I would have opened an IRA, and just put in tiny amounts during grad school.
Wanna know what else is sad? Up until recently, I didn't even know what a mutual fund was, even though my dad has a PhD in economics, and even taught evening classes at the local college in Macroeconomics.
Folks, teach your kids about finance! Encourage them to learn! Someday if I have kids, I'll make matching contributions of savings towards goals BUT I'll make them do some PF courses as well.