Anyone that does not want to be in retirement poverty stricken, totally dependent on government benefits and eating dog food needs to read this pdf. article.
This is one of the best analysis I have read as to planning for retirement.
It may not impact you now but you had better be ready for it.

http://www.nirsonline.org/storage/ni...isis_final.pdf

The Retirement Savings Crisis: Is It Worse Than We Think?