<prompt> Human: I think the question I want to ask is this: Why do I need to retire? I cant stand sitting around doing nothing. And by the time I am old enough to retire, at 70 or what ever age people do it at, I feel Id be likely to have a job that has me sitting more than doing hard workI work in engineering, atm, age 24. I know my views will change as time goes on, but this is something I really want to get my head around. I understand the point of investments and why you should diversify your portfolio, but I simply dont feel I need to bother with a retirement account right now. Assistant: What if you live to 90? You really want to work five days a week for the rest of your life? Human: Id be ok with 3 or 4 days a week.  <response>: You are 24 years old. How can you be certain what youll want to be doing with your life 66 years from now? 