Everyone needs to think about their future, and part of that involves planning out what sort of retirement you are going to have. And financial planning with regards to your retirement is one of the most important issues that you will face in your lifetime. It's not something that is easily caught up on in later years if you happen to have disregarded it during your youth. That's why it's a great idea to set the groundwork for a really comfortable retirement by making the right decisions at the right time.