Many young workers under the age of 30 spend freely without thinking of retirement which, being decades away, seems unimportant in the present. Even worse, there are 40- and 50-year-olds who also haven't started to think about retirement. Things need to change. What the Daily Mail website calls the 'golden age of retirement' is quickly drawing to a close. Those who are not prepared for the changing retirement picture will not fare well once they stop working.[…]