I started planning for retirement the day I finished school, High school that is. I knew I didnt want to work all my life and be in my 60s and still having to work to live. My father worked all his life for one thing or another. A close friend of mine was working on his second retirement by the age of 38, first the Air Force then Refinery. One has to plan their own retirement because if you leave it up to the goverment you will not have a penny to yourself not to mention medical benefits etc etc... Hell, Ive gone as far as to already have my funeral services paid for not that I will need it any time soon but I sure as hell dont want my kids having to worry about them things when Im gone. Just the way I was taught when I was in me teens.