New York University recently introduced free further education for students studying medicine. The program is funded by an endowment. The donations to the endowment are sufficient (after ten years of fundraising) to support the students because of investment in the stock market. When the stock market rises so does the number of students the endowment can support. Pension funds invest in the stock market. When the stock market is positive, so is your future retirement. Individuals invest in the stock market. You don't have to be rich, or an economist. You can autopay a regular amount each month from your bank account to a mutual fund to start securing your future. Consider it another bill. If you think you can't afford to save a little, list absolutely everything that you spend money on each month. Separate your wants and needs and reduce spending on wants. The younger you are, the bigger the impact of saving is for your future quality of life.