Starting so young is a HUGE thing! I had the best of intentions when I was younger, but fell off the path along the way. While I didn't go too far into debt (always hated it), I saved basically nothing.

Your 20's can be an expensive time, but it is also the best time to invest due to the compounding effect. Still, knowing what to do and actually doing it are two different things. Glad to see you are doing it though! That extra 10 years you got on me will double your money in the end, since your investments should at least double over that time frame at 7%.