How Important Is It To Have A Retirement Plan? 
It depends on how you want to live your life when you are tired of working ... do you want to travel ? You will need money . Will you want to get that dream car you have always wanted ? You will need money Will you want to depend on your kids to take care of you ... that would suck ... Put aside something per month that way by the time you do want to retire you will have money to spend , the way you want to spend it . 