If you worry a lot about retirement, and if you'll have enough money to cover your cost of living in 2015 or 2036 or whenever you expect to be starting your golden years, have I got a web site for you.
Try an easy-to-use retirement calculator. It determines how much money you need to put away every year if you hope to retire at age 65 with 80% of your pre-retirement income.
You type in your current age.
Then in another box, you put in your current salary.
Finally, you plug in the numbers as to how much you've already saved.
Click "submit" and after several seconds of waiting, you have your numbers.
What's especially eye-opening is that the older you get, and the lower your savings, the more money you have to save. Sure, you're thinking: Duh. But I'm just saying that to actually have those specific numbers in front of you -- it's educational.