Latest statistics indicate less then 50% of the population has more then $10,000 set aside for retirement. Social Security will not be enough. Pensions used to a given if you worked for most companies, that is no longer true. All of us need to start saving more now! If you have a company match 401K, that means free money from your employer, you need to take advantage of this gift. More than ever before, you are the driver of your retirement destiny, the government will not take care of you.