here is an example for you: WAKE UP AND PAY ATTENTION
you are a 45 year old making 100 grand a year. suddenly you wake up one morning and realize today is the first day of the rest of your life. today is the first day of you, RETIRED. (you old geezer)
to maintain living at your pre retirement income, YOU NEED TO HAVE SAVED ABOUT THREE MILLION DOLLARS by the time you are 65. (assuming you will live to be 90 years old)
sobering thoughts they are, no? enjoy.