instruction: How do I save for retirement?
response: First thing is to make a plan and the key is to start saving today no matter how small that amount might be.  You will be refining this plan as you move forward to achieving your financial goals.  You should always "Pay Yourself" first by allocating a percentage of your pay checks into a company 401K retirement plan or an IRA or Roth IRA.  A certain portion of your monthly pay will be pulled out tax free and put into a retirement savings account.  You should consult with a tax professional to understand the tax implications.  Also, you can work with a professional planner to help create a comprehensive long term plan.  This retirement plan will take into account your target financial goals, desired annual spend, investments, social security, pensions, and other financial sources.