But without the habit of putting money aside, all the investing skill in the world won't do you any good. The very simplicity of the concept of putting aside is difficult for some people to handle. But it's not that at all. It allows you to take prudent risks. As far as retirement accounts go, you can expect to be retired longer than you can expect to work.
Life expectancy keeps increasing.
The economic world becomes more and more unstable. The basic Benjamin Franklin advice about saving is even more true now than it was in the past when things didn't move so fast. Seductive ways to spend your money push at you from all sides. But, remember, you think for yourself. The High Cost of Experience Practice does make perfect.