Do you know the difference between a 403(B) Plan and a 401(k) Plan? Do you have any idea why you might want to participate in whichever one you qualify to join? Do you know whether stocks, or bonds, or annuities, or mutual funds, or any number of other financial instruments are a good place for you to invest your hard-earned dollars? If not, and if you'd like to know more about how to invest wisely, this site from the U.S. Securities and Exchange Commission is here to help:
http://www.investor.gov/
With a grounding in the basics, some discipline, and a little luck, you may actually be able to retire some day.
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