You could be working till your death bed if you're not investing enough. Simply contributing to your employers 401(k) isn't going to be enough to give you a comfortable retirement. You need to take additional steps to ensure you wont have to work past your retirement age My parents are both still working past their retirement age because they didn't know anything about investing. They only knew saving. This was at the cost of their retirement. I don't want anyone to have to work past their retirement age because they have to but instead only if they want to. Please don't make the same mistakes as my parents. Get started even if that means just a few dollars