<prompt> Human: My 30F husband 32M is the primary wage earner. I do contract work and am using all the money to pay off student loans and variousmisc. expenses that arise like vet bills for our dog. We dont have any kids yet. We dont actively contribute to a retirement account, but I would like to get one going. He is a very in the now type of person where as Im a planner. He would rather spend all his money on food, booze, and computers today because who knows if hes going to die tomorrow. When chatting about the desire to start putting money away each month, one of his arguments is that he doesnt really want to ever retire anyway. He conceded and said he would add a little bit of money, BUT that its not going to be enough to really retire, and also, hes a terrible procrastinatorforgetter so I doubt he will actually take any steps toward action unless I continue to nag him about it. My purpose of posting this is to see if there are any strong arguments for getting this going, regardless of the monthly amount, as soon as possible. Thanks!  <response>: Do you ever plan to have children? Because as an only child, I can tell you that its a terrifying thought to imagine parents who arent prepared for retirement. I certainly cant support them financially--what in the world would I do if they needed serious medical care or a retirement home? If you plan to have children you own it to them to save for your own retirement. Additionally, compound interest is a great argument. Sure, he can wait until hes 50 to start saving, but hell have to put that much more money in to make up the difference. 