Mr. Shakita,
I put it off and dismissed opportunities to save for the first 17 years of my working life. I doubt I'll get anything from the government I paid social security monies to during that period either since I left and stopped paying income tax etc.
So I am playing catch-up big time and ramping up my 401K withholding. My employer also matches up to 6% which is very helpful but I still expect to work fulltime until today's nominal retirement age. (I hope my investments will bounce back by then too.) I do not expect to quit working when I am old but I would like to be doing something purely for enjoyment and not have to worry about supporting Mrs. Thirdson and myself while enjoying the things retired people get to do.
My dad saved nothing during his working life and afterall 4 of his kids wouldn't even be out of school by the time the "New System (tm)" came along. Fortunately, his last employer, after 1975, and where he spent 20 years had a retirement plan that now adds greatly to his state pension. Four of my dad's grandkids are now in the working world and none are looking for divine help for their pension plans.
Thirdson