Retirement carries a different meaning at different ages. For the young adult starting to work in their 20s, retirement is something that probably does not carry much meaning. Something their parents are transiting into and has nothing to do with them. First and foremost on their minds will be landing that dream career, falling in love, getting married, purchasing all the "wants" with their first year paycheck, etc. Next stage is the 30s, life has moved on for most from singlehood to setting up a family unit. Focus will be to stop job hopping, stablize a career to support the mortgages and plan for the first child. Even those single usually start taking care of their parents who have started making retirement plans. Moving on to the age 40s, those with children start fussing over primary school entry or the dreaded PSLE. Some planning for the child's future tertiary education ......