Retirement..?

Right now I'm saving 38% of my income from my job (part-time) and I'm 15 years old. I plan on starting a Roth IRA soon.

I am paying off my mortgage, no credit cards in over 20 years , all money that would have been spent on vacations , and other needless wants, has been saved, cars paid for in cash , I do not pay interest on anything , just my home , it will be paid off in three years ....all tax refunds have been saved .. when the house is paid for ..the 400+ per month will be saved for the next ten years maybe fifteen years ..will be saved ..no investments ,and no banks I will not pay to use my money....the girlfriend has a 401k she put in the max amount for five years ,and we will not contribute anymore ..at age 65 we will a couple million for retirement but our savings today will allow us to retire in our late 40's with zero owed out .. so we will be more than comfortable

Putting something away each pay check into a 401k.

working my butt off and putting money in an ira