It's important to do what you can to save well for retirement. Without a decent-size nest egg, you might be forced to largely get by on Social Security once you stop working. And given that those benefits will only replace about 40% of a typical earner's pre-retirement wages today, that's not a particularly good plan for your future self.

You might have access to a 401(k) plan through your employer, and that plan might not be much to write home about.

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Source Fool.com