I didn't. I was a military wife in young adulthood. We had a steady income with good benefits.

Unsteady income for me came in my forties when I began doing freelance work post-divorce to accommodate a health issue.

I didn't. I got a job at a plastic factory making $9.55 an hour and worked there for 15 years. I had saved enough to start contributing to an IRA my first year there.