Not so fast, eager beaver, you're missing the part where you're blind, your mother gets murdered, and you wear a mask made out of your dead mother's face.
Start putting into your 401K or Roth IRA now. The earlier you start the easier it is to retire.
It's the same for your house loans. The more you can pay EARLY, the faster the loan gets paid off. If you start paying more down later into loan, it's not worth as much.
The magic of compound interest and need for high growth economies to sustain printing money from nothing.