OK, forget retirement and stockmarket. I'm too confused on all that.
Although its a decent idea Nirvana, I don't want to buy anything that can't be moved with me.

This sucks.

Why is it complex? Retirement account. You make changes. Government takes no money. Those taxes instead remain invested in your account. That simple. Conventional account. You make changes. Government takes money in taxes. You have less invested. Why is this complex?

Open a bank account, money market, buy a bond, or invest in stocks. Every one equally complex. Why is it confusing? If you fear stocks, then you must fear banks and something even more complex - credit cards.

thats right, i don't own a single credit card.

Same here. Angry props to you! Comrade.

Pah! Don't be "too confused." Learn!

By not paying attention and taking the time to learn about basic financing, you are opening the door for exploitation by a financial advisor or someone else (like 'Net friends/strangers). Take it one step at a time, learn for yourself, and take charge of your money. It's really not that complicated, unless you have zillions of dollars.