I want to give my children the chance to pay me back for all the years I took care of them.

I can work longer - maybe into my 80s or 90s? My great-grandfather did it. It can't be that hard.

I'm hoping to win the lottery. I work hard at it.

I might not make it to retirement.

Government benefits will cover me. I can learn to live frugally.

I don't want to think about. I can't stand the thought of growing old.

I don't have time. I barely have time to plan my day, let alone my retirement.

I'm too busy paying off my debts.

It's too late. I should have taken care of it earlier.

It's too soon. I'll get to it someday.