It’s never too early or too late to start planning for retirement. However, in the U.S., when it comes to retirement savings, later seems to be the standard. According to RothIRA.com, only 56% of today’s workers in the U.S. are currently saving money for their retirement, and 38% of those currently saving have less than $10,000 saved.

Here's a stat for you:  in 2011 the Social Security Administration stated that a 20-year-old has a 30% chance of being disabled and unable to work for six months or longer prior to reaching retirement age.

It's an interesting thought actually - not because the topic itself is all that fascinating.  But simply because for something typically so far on the back burner it's almost off the stove, the chances of it happening to either you, your spouse, or your best friend is almost a statistical lock.