At 26 years of age, you are fairly young to be thinking of retirement. If you become pre-occupied with that retirement thing, you may have a good life when you retire but you surely would lose your youth because how can you enjoy the present when all you think is the future? My advice is for you to live your life, enjoy what you have and think of the retirement when you reach 40. Life is to be lived and not to be spent on plans for the future. Take me case, I am past 50 but still enjoying my life. I travel, I spend, but I also think of the future.. .a little bit.