Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

What should my finances look like at 18?
Assume you will need to retire with a few million in the bank to maintain an average lifestyle.  I had an analysis done for me (at 33) that shows my family, to keep it up lifestyle will need to have 3.4MM in the bank so in retirement I can draw down enough cash. This number reflects inflation. Now that you are 18, if you make consistent but small savings you will achieve that financial stability.  Try to make it automatic so you aren't tempted to spend. There is more you can do but since you have such an early start, you can do less than most people and still have plenty. Even thought it is great you are thinking about it, don't forget to be young, move around lots and have fun.  Just pay yourself first and have fun second. Also, thank whoever guided you to this point.  If you did it all on your own, be proud.