Savings are something that just tie you down and allows the government to have more control over you. Think about it, they can threaten to take your savings for non-compliance at any time. You better fall in line because you have so much to lose! Also, most savings are susceptible to the ravishes of war, inflation, financial collapse... Enjoy your life today; fuck retirement! You might not even live that long anyways, and if you do, you will eventually get sick and die anyways. Don't be that sucker that spends the most productive years of your life just to squirrel away something to keep you alive a little longer at the bitter end. Spend your money on experiences of a lifetime, travelling, time with your loved ones, and also most importantly develop yourself and skills so you can always earn more. Find work that you enjoy and then why would you want to retire anyways?