Responding to an article about a saving formula favored by young people, retirees weigh in on their highs and lows.

Many emphasized starting early and staying consistent. One reader noted that saving even small amounts monthly made a big difference over decades. Another wished they had avoided debt and invested more aggressively in their 20s.

Unexpected expenses like medical bills and home repairs often disrupted plans. Some regretted not having an emergency fund. Others highlighted the importance of compound interest and low-cost index funds.

Retirees also stressed balancing saving with enjoying life. Several said they wished they had traveled more while younger. A few mentioned that Social Security was not enough and that personal savings were crucial.

Overall, the lessons: start early, automate savings, keep fees low, and be prepared for surprises. As one reader put it, "Time is your best friend—or your worst enemy."