I could not help but notice this article: Median American Savings: $0. There is some amount of money all of us can save even if it is a couple of dollars per week. Surely we can do better than this. If you think the government will be there to help you in your retirement, you are in for a huge shock when the day comes. There is no guarantee that you will be able to work until you are 65 anyway. Time to start making a plan for when you can no longer work.