Is it necessary for young people to start saving for retirement in their 20s?

I think it is necessary for young people to start saving for retirement in their 20s. As the saying goes, "Be born in sorrow and die in happiness." If we save money for retirement now, then even if we cannot live a very wealthy retirement life in the future, we will not live a difficult life because of poverty. Every penny you save when you are young is a guarantee for you when you are old.

Some people may think that their 20s are the age when they are just starting to make money, and it is too early to save money for retirement. Others may think that a life without squandering will leave regrets. But I think 20s is not too early, and the most painful thing in life is "people are alive but money is gone."

Consumption rationally will prevent you from falling into the abyss.

Now I will explain in detail why you should start saving money for retirement in your 20s. The earlier you save money for retirement, the better, and our 20s happen to be the age when we start to make money, so this is also the best age for us to start saving money. If we save one dollar a day, regardless of future price increases, or numerical increases such as interest and financial management, then the earlier we start saving money, the more money we will have for retirement. It’s hard to live without money. In order to live a comfortable life in the future, it’s best to save retirement money in advance. Maybe we usually pay online, so we think money is just a numerical value, but when you don't have money, you will be very sensitive to changes in numerical values. When I was little, my mother always cooked and calculated gas, vegetable bills, utility bills, and so on. I couldn't understand it at the time, but when I grew up and lived alone, I realized that the utility bills that I didn't care about before were really worrying. Earning less and having to live a normal life taught me how to save. If you can save some money every month, then although life is a little difficult now, life in the future will be more comfortable. It is better to rely on ourselves than to rely on our children. We still have to save our own pension money, so it is best to make plans for the future earlier. The saying "Raise children to prepare for old age" is not wrong, but we cannot guarantee that the children we raise will be filial to us. Moreover, raising children is out of instinct. When I gave birth to children, I did not have such a utilitarian mentality. Instead of pinning her hopes on her unborn child, Xi might as well work hard and work hard to give herself a guarantee. Only what you give can be grasped. And when you save a certain amount of pension money, your back will straighten because you know you have nothing to worry about.

“If you don’t have long-term worries, you will have immediate worries.” Therefore, I think it is best for young people to save money early for retirement. Saving money for retirement early can also give us more choices for our future retirement life.