I agree, I just started working and the idea of saving for a retirement that will happen in 45 years seems ridiculous. No one has any idea what the financial or political landscape will look like in 50 years. A 1950 dollar is worth about 12 cents today! Sure I will be able to take advantage of compound interest etc, but inflation compounds too! Plus I have no idea what I'll be doing for the next 45 years or where I'll end up - I've lived in 5 countries already and I can say for certain that that number will have increased by the time I retire. So, can anyone convince me that I should be saving for retirement?