It’s tempting to think that we’ll get rich and retire young. Or at the very least, that we’ll always have the fortune of employment. But the reality is that, more likely than not, we’ll all stop working at some point and therefore need to financially plan for that period of our lives.Whether high costs of living are to blame, or the overwhelming amount of options, or employers who don’t sponsor retirement plans, the bottom line is that most Americans aren’t actively planning for their financial futures. Even among those who are saving, in many cases, they aren’t saving enough.Today, we are seeing millions of retirees experiencing significant declines in their living standards once they stop working. Middle class workers are retiring poor because they don’t have enough money properly saved. And the crisis will only get worse as time goes on.At Human Interest, we believe that these problems are easily avoided with the right tools and planning, and by understanding the importance of retirement savings earlier rather than later.