When I first entered my profession, I was in my mid-twenties. As a brash young man, I remember being irritated by the requirement that I should begin to save for retirement. For one thing, I was young, and young people never think much about being old. I thought I might well even be dead long before my investment came back; I certainly had no assurances I would not. But more importantly, as I was starting out in life, I knew I could make good use of that sizable portion of my income that was going to be carved out for the retirement plan, and there was no way to get at it.
I would have if I could have.