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[quote=Anonymous]Op, I never made a lot of money, but I invested my small income and I'm financially independent now. Before I started to invest, I made many many mistakes with money. I had to make them to learn from them. 
Several other things happen when you invest the money you saved. You will learn about investing and get excited about it. You will not miss eating out because the $80 earning money the next day is more exciting. Having to come up with the next meal even cheaper than previous is also exciting.
I never had a 401k offered at any of my jobs in 26 years as I worked the minimum wage jobs. There were times where the employer didn't even pay me and it can be seen in my social security statement. Wage theft is normal in minimum wage jobs. But lets go back to investing as it gave me my freedom from work.
If you qualify for Roth, then max it out ever year and buy VOO or something similar. Keep in mind that if the price goes down, you don't lose money, but you do get your next piece of VOO cheaper or 'on sale'. Therefore, buying into market that goes down, is not bad at all. It will go up eventually. Buying into market that goes up, looks good too as your money goes up daily.
Voo should give you about 10% a year in the long run like 15-20 years +. Can you imagine having started awhile ago and your half a million adds $50k a year. Inside Roth, that would be tax free.
The biggest benefit is learning about investing hands on. Once you get really good, you may see that 529 plan, money in 401k past match and anything else funny invented by government/firms as a good thing, is not that good after all. Until you get experience, stick with s and p 500 ETF and inside of Roth if possible.
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