Everyone who wishes to retire should invest for their future, irregardless of their jobs and status. Anyone relying on their savings for retirement are bound to experience a short-fall in their future income for 2 reasons: 1) The interest rates you get from your savings will never be able to match inflation rate. 2) If you save 10% of your salary each month for 40 years and aim to retire for 30 years, assuming the interest rate you get matches inflation rate, there is no way mathematically you will be able to draw even 10% of your last pay. So if your last pay is not at the $10,000 level, I don't think a comfortable retirement is possible. Warren Buffett, one of the best investor and richest person in the world, recently gave some advice to all when he was on CNBC, stating that investors should invest for the long-term. ......