How Do I Plan For Retirement? 
Looking to the government is not a plan . Keep in mind that Social Security is more than likely going to change and more than likely not for the better . The day you start earning a living is the day to start saving for retirement and for everyone else , today is the day with no further delay . Most Americans will experience longer living than previous generations . Over the years inflation has eroded purchasing power . The attempt to maintain current the lifestyle generally fails and a lower expectation of retirement ensures . 