With the right planning, life can be comfortable.
Talking about planning for retirement is one thing, but actually getting started and saving for it, is another.
"Its much more important to get started with your retirement planning than to be concerned about how much i need to accumulate. You cant accumulate unless you get started, " says Edward Jones Financial Advisor Les Pinckard.
The first step for retirement planning, find out how you can start saving.
"If you're employed with an employer that offers a retirement plan i would recommend going to your hr department and asking what is involved to get started. If you are running your own business or don't have access to a retirement plan at work, you can open your own individual retirement account, IRA," says Pinckard.
"Very important fundamental principle of financial planning is don't put all your eggs in one basket. Diversification, diversification, diversification, " says Edward Jones Financial Advisor Randy Hurst.
Financial experts say one misconception about saving for retirement is you have to be a certain age but in reality they say your never too young to start saving for your future.
"You're never too young, we never turn away a client because they're too young, in fact the younger you are the greater the chance for success. We really encourage the younger folks to take it seriously, start as early as you can," says Hurst.
Most importantly, remember your money is there for the long haul.
"When you talk about retirement planning you need to think of it as long term money. Its not a savings account, its not something you reach for on the weekend, its not something your reach for when there's a pit fall or pot hole in life, its long term savings," says Pinckard.
Pinckard says to increase the amount that you put in your retirement account and to try and go up at least one percent every year.