saving in your countries fiat currency isn't a good Idea, Long term it will get eaten up with inflation and your retirement you had planned won't have the same purchasing power you believed it would. For Example the US dollar lost over 50% in the last 20 years. The best thing to do is become financial intelligence and save in something else that holds its purchasing power, or has higher cashflow that the inflation rate. Saving money for investments I would agree but, the highest interest rate is almost 1% and banks give out .01% APY. Cashflow real estate or from stocks provides more than interest rate. But this is what I believe and if you try to save like normal people you will come to find out when you are in your 60's you need more cash and social security will not be there or if it is it's purchasing power and amount wont truly help. I do agree amount saving some cash for emergencies and looking for financial advisers, but the problem with the advisers that they aren't retiring anytime soon or might not at all and if they are "trying" to help you they can only do what they know and to be honest not much but do a mutual fun and ride it out. all in all i like your post some of these things are very important