<prompt> Human: Im like my dad in the sense that I think that I want to work until I die. I want a career I love, and if I cant work anymore, I dont think I should be alive anymore. Im sorry if this is a stupid question, Im 20 and as stupid as they come especially in regards to personal finance, but why should I keep a retirement fund? Please enlighten me. And it differs from emergency fund, as I understand why Id need the latter.Edit: Thanks for all the responses. Now to get started on that retirement fund...  <response>: Why do you want to work until you die? I want to work until next week and sail the world drinking great wine. 