With the way things are now, many people are having enough problems paying for the now, let alone when they retire. It comes down to living off of Social Security, and the way you hear the news about that, you wonder if it's still going to be there when you retire. One possibility to change that is through something called by Diamond Bay Investments retirement Iivesting, where you can make investments in real estate income. The link has advice on how to keep on top of it after you invest in a real estate portfolio, and has what I feel is an appropriate quote: "Beware of the man who won't be bothered with details". - William Feather. If you do decide to invest, make sure it is something you keep on top of and not just put aside. Don't have it be something that the next thing you know, you find out it's worthless. Continuous review should help guard against that.