When your age of 35 years or more and havent made a serious effort to plan for pension, You dream of a comfortable and active pension could lead to the nightmare of his old poor.Scare and tactics, you say? Consider this: Most experts say you need at least 66 of the pre --pension income housing comfortable when pension. But an active retirement may need 70-80 pre --pension income to pay for the added. Hope this helps you. Thanks for using webanswers.!

Begin saving for retirement when you are young or as soon as possible. Max out your company's 401-k plan and also start a Roth IRA. You can put $5000 a year into a Roth and you will never have to pay taxes on it again. Pay off your home early, pay off all of your bills and you can have a more comfortable retirement.