Retirement Plan

In the past week a coworker of mine asked if I had set up a retirement plan. I answered no and she directed me to a retirement estimator where my husband and I can manage our finances and see our standing for retirement. Ever since I graduated in Business Management from Cornell University, I have just been working and have not really thought about saving money for retirement. Since that time I have been promoted in a restaurant in Los Angeles. I feel blessed to have this great position and be married to an amazing man named Blake. During my time in college I worked as a server at at a restaurant. After graduating, I was promoted to Supervisor of the dinner restaurant where I picked up bartending skills and learned about beverage management. As the years passed I was able to prove myself loyal and worthy to the company and moved up the ladder until I received an offer back home in Los Angeles. I had been promoted to Assistant Manager of one of the top restaurants in the company at the age of 28. At the time, my husband was working as a Senior Food and Beverage Manager of a L.A. hotel. It is as if fate brought us to L.A. to work in our dream jobs. Since we both are high in positions at our hotels, we decided not to have any children, so together we bring home about $190,000 annually.
With this retirement plan we both average a net income of $41,214, after considering expenses. Between both of our wages and interest we average a joint income of $16,500 a month. My husband and I have decided not to invest in any dividend stocks since their high price would not be beneficial with the amount of expenses we have. Our total monthly expenses average to about $13,000.
Between my husband and I spend a monthly average of $350 on fuel, $200 on State Farm Insurance, $100 on service and $50 on miscellaneous auto expenses. My husband drives a Nissan Altima and I have a Dodge Neon. Luckily, the cars are both paid off since we have had them for a couple years now. We decided