We feel like we have all the time in the world to consider retirement. As we age, the clock ticks a little faster. Can you actually run out of time to plan for retirement? No, but your options are much more significant, and your money’s growth is much vaster the younger you start. What does retirement look like in twenty or thirty years? Will Social Security still be available? If you have watched the national deficit grow to insurmountable levels, planning a life without Social Security seems safer.