Why Do We Need To Plan For Retirement? 
You dont need to be concerned about retirement if you believe that you will receive all the Social Security benefits that you anticipate . You dont need to be concerned if you believe that your company pension plan will provide all the funds that you anticipate . You dont need to be concerned if you are confident that you can take a 60-80 % income reduction without suffering . Otherwise it is a good idea to plan for retirement . 