I know there are many people asking the same questions but the more i read the more i get confused and discouraged. I am 28. I work in northern CA. I have been with UPS for 2 years. I am a part timer. my current plans are to stay with UPS and go feeder. I am currently enrolled i DESPP but I am only having about 5% ($10) per check removed which is roughly 5 stocks a year. my question is how should i set up my prudential retirement plans and should i change my current contributions to the stocks. i am really looking to just figure out how to start it and how i should change it when i go full time.