I'm young (mid 20s) and I'll probably change my mind at some point, but I'm not sure I'd ever fully retire. I'm pretty sure I'd get bored quickly. In any case, I'm hoping that my 401k and employer's retirement plan will do well. I'm not putting much stock into social security being able to keep me afloat when I retire. I'm also hoping that I enjoy my career to the point that I don't want to retire early, but would rather work (and keep making money) well into my 60s or 70s.