These days, people are living longer, university tuition and houses cost more than ever and pensions are being eliminated from many work places. There's a great deal of personal responsibility needed for people to plan accordingly for their retirement.
Are you putting enough money away for retirement? Do you have a realistic estimate of your yearly living expenses in retirement? Or are you, like some, planning on never retiring?
It's strongly advised that you start putting money away as early as you can, in order to take advantage of compound interest:
http://www.moneychimp.com/calculator...calculator.htm
I've always been a saver and am constantly planning for retirement. I've whipped my woman into shape after years and years of her being in debt (she'll have all of her debt paid off this summer at age 36, after spending all of her money on "good times" in previous years).
It seems most of the co-workers I know (I'm a government lawyer) don't really set much savings aside (nice cars, big houses, going out for lunch most days, while some are still paying off student loans)
I get a DB pension with the government, but I save like it's not going to be there, or if it is, it will be in a severely reduced form from today's current state. I hope to be able to have a good retirement at 55 or 60. I don't want end up like some of the 65+ year old guys in my office working (I have to make sure not to get divorced like they did, fingers crossed).