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Maybe you’re well on your way to planning for your retirement. If so, congratulations—the earlier you start, the better your chances to reaching your financial goals. But if you haven’t started yet, and you’re wondering why you need to save for the future when there are so many other perfectly good things to do with that money.

The good news is, odds are, you’ll probably live longer than past generations. The bad news is, living longer means you’ll need more money for retirement – possibly up to 30 years’ worth. Whatever your retirement dream is – whether it’s traveling the world, playing golf or just relaxing and enjoying the grandkids – the last thing you want to worry about is outliving your money.

A good rule of thumb is to save enough money to make sure you live the way you’ve always lived. You can’t expect to spend less on living expenses in your Golden Years than you do today. Most financial advisors agree that you'll need 70-80 percent or more of your pre-retirement income to maintain your lifestyle in retirement.

Also keep in mind that the cost of retirement living continues to increase as the cost of healthcare, housing, energy and other costs increase. And don't underestimate the power of inflation, as even low inflation can damage the purchasing power of your retirement dollars. For example, if you project a 3% inflation rate over the next 25 years, a gallon of milk purchased today for $4.29 will cost you $8.37 in 2031.

So, while your expenses may at best remain the same or even increase, you can’t expect the same for your income. That’s why every day that goes by in which you don’t save is another dollar you likely won’t have in retirement. Your money is your money-maker

When you invest, you earn interest on your money. And then that interest earns interest. That’s called compound interest, and it’s how your account grows over time. The sooner you start, the more you can save.