Found this on the front page of NBC news (web)... clicked the link to see if there was something "news worthy"... and while it states the obvious for the most part -- there is a good strategy added that I've not seen before.
http://lifeinc.today.com/_news/2012/...e-magic-number
If you don't want to take the time to read it --- it's basically saying that you need 8 times your last years salary at retirement. And that to get there you need to have saved 1 time your salary at age 35 -- and by 45 you need to have saved 3 times your salary - and 5 times by 55. Which puts you within punting distance to hit the 8 times goal at 65.
Trust me... it's much more fun to play golf on Mondays knowing you're not going to work on Tuesday... and you're leaving for Hawaii on Wednesday. You have to plan (invest) for that NOW... not later.