There is a lot more to it than you will notice initially. One thing is you can contribute to the Thrift Savings Plan. You can conceivably be quite well off when you retire if you take advantage of this plan. One thing I will warn you about. Be sure to take advantage of any employer matching. That is FREE MONEY. You might think: "Gosh, that is a lot of money. I can't afford to do that." The truth is, you can't afford to NOT do it. Remember, the money is still yours. You just can't spend it yet. Not only that, but any dividends you would have gained over the period of your career will not be there.