Yeah. I'm only ~30ish. I'm well aware that I had advantages a lot of people didn't (college paid for - at my State's university - by my grandparents).

You would do well to plan early. Honestly - you need to save 15% or more. It's really not optional. I remember my first job (which was pretty well paying, all things considered, at $40k per year in 2010), and I lived with a bunch of friends and paid $200 / month in rent. It was cramped, with some not so great conditions, but I still miss those times. I saved a good 30% of what I made then, and the percentage has been increasing since then, with me earning significantly more now.

Just in general it's important to save. It's amazing how many of my bosses even save nothing, always worried about being laid off. One guy I work for makes $1mm per year and he's worried about putting his kids through college... like, if I had saved up what he made in a year, I would never have to work again.

Just do what you can to save at least 15% for retirement, visit /r/personalfinance and /r/financialindependence and browse for a bit, and you'll be on the right track.