I foresee millenials becoming the new generation of politicians and passing laws that increase wealth redistribution and add means-testing for social security. Don't worry, they'll fix this mess.

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No at 33, you have plenty of time.
I know people in their 40s and 50s that haven't given a thought to their future. Living for today, I guess, but know people older and younger doing the same, so not generational.

And to be honest, I wish I wouldn't have spent the time and money I did on college.
Most of my family stayed in the trades and were well established before I was even really getting started.

Plus the PD/FD route many took.
Set for life, start second career, if desired, late 40s.

And curious that you were a welder/ machinist: my HS dropout brother did that for 14 years before changing careers. But he is a HARD worker and always has a few side gigs going as well. Plus, he seems to have either very good instincts or is very lucky. Not sure which, but funny thing is he doesn't really even care about money.
His DD is over 350k. We pulled the old panelling out of his house and hung drywall. Been waiting for tape. Since July of 1990.


Good luck brother!

I'm 34, I've worked since I was 14.  And I'll work till the day I die.  I've known this for a long time.  It is, what it is.

My retirement plan is to abandon everything I have and move deep into the woods. From there I will be a hermit, living off berries and worms until I die of natural causes.