Honestly my plan was to give well-researched, evidence backed, outside view compatible rational advice on how to save for retirement and manage other aspects of personal finance. It had not previously occurred to me that I might have to explain, rationally or otherwise, why to plan for retirement. I was taking that as a given. If indeed there are a lot of young folks out there who don't see why they should plan for retirement, then I may need to back up and rethink my first few chapters. So that is useful information. I do need to consider whether you're an outlier or not. If most folks don't need to be convinced that they should save for retirement, then I don't need to write those chapters.

Of course I'm also writing and thinking from a developed world, U.S.-centric perspective. It may well be that what's rational financial planning for someone in the U.S. is not rational for someone from Brazil, and I may just have to put disclaimers about that on the sections. Certainly even between the United States and Canada, there are significant differences. For instance, planning for medical disasters is much more necessary in the U.S.

I would like to hear from anyone else who isn't sure why or if they should save for retirement. If you don't mind mentioning your age and nationality, that would help too. Thanks.