How can I save for retirement these days?

[What]

I don't care if the home equity falls right now. But if you love your home, buy into that, get it paid off. Then "THEY" can never take it away, and you will have security. Next, the stock market is offering you incredible buys right now. You have to see that, and not be fear driven. In 33 years, you will look back, and your stocks will have gone way, WAY up from what it is now. This crunch is a godsend for people in your age group, you just can't see it now. Silver and gold may continue to go up for now. But in my gut feeling opinion, eventually it will crash as it is over priced and driven by fear right now. Finally, fully fund ($5000) a ROTH IRA. You will thank me 35 years from now.