Saving for retirement is a wise move whoever you are. I live in Finland where we have mandatory retirement saving system, but more and more people have started

Saving for retirement is a wise move whoever you are. I live in Finland where we have mandatory retirement saving system, but more and more people have started to find out that it's not really that good for everyone. Just now there was a story in a major newspaper that an university researcher didn't have that much retirement savings because research grants don't add to your retirement savings (tho this has changed recently) so she will be seeing near minimum retirement which isn't that much in a very expensive country. I'm in my mid 30s and I save for retirement and most of my friends do also, it's just that it ain't easy because after taxes and mandatory retirement payments and social security payments, money left usually goes to daily living, so you have to downscale and minimize expenses now that you have enough when you have to retire. The system is not optimal, and we do have mandatory minimum retirement after all if you can't afford to save, but you don't want to be that person who finds out couple of years before retirement that you are going to live near poverty line when retiring, it's harsh. so saving for retirement is a good move who ever you are and where ever you live.