Fast approaching 30, I find a lot of people in their 20s and early 30s asking this type of question (here) and think of myself how careless I'm about my retiring days. Well, um, i'm into passive-aggressive investing, but I haven't yet thought about hiring or looking for a financial planner -- one that will be able to look unto the distant future. I just intend to take it slowly on my own. And then, seeing a multitude of retirement plans laid down here , I begin to get nervous. The nerve of planning for retiring!!