By doing nothing, you guarantee a later benefit, if any. If you wait until age 35, you need to put about 220 dollars in the bank every month. If you are young enough when you read this to take advantage of it, and do so, it was worth all the effort to put this up on the web. Waiting until you can easily afford to save, then finding out that you never got there. Or worse is waiting for that 'perfect' investment, which of course never comes along.
People climb the financial ladder all the time because of self-discipline.
If you don't have that, you will have a very hard time getting up the ladder. I like being higher because I have more options. When I was making 1 dollar 70 cents an hour, I had few choices ahead of me, because I couldn't afford them. Now, if I want to, I can afford to pay 100 dollars to go see a Star Wars movie the day it comes out, I just choose not to do so. If you 'loan' your money to the bank, you'll get safe, low interest.