Plan ahead. There's no better time than right now to plan for your retirement. Saving for retirement often gets put off as we deal with life's more pressing demands - marriage, house, children - but each month you delay cuts significantly into the total savings you have when that day comes. Save early. Save often.
Unplanned savings is better than no savings at all. But to get the most out of your retirement savings, you should figure out where you want to be and how you're going to get there. Since people are living longer than ever, retirement savings need to last longer and work harder. It's more important than ever to make smart financial decisions.