Retirement in today's society

Retiring is a huge part of people's lives. Planning for retirement in today's society is a necessity. With social security benefits not being guaranteed for us younger generation people, we must plan for that huge time in our lives. Most people cannot retire on just their savings and what money they earn from their job. This is why financial planning and ways of investing are so important. Financial planning could be used thru life insurance, stocks, mutual funds, or IRAs. I believe that all of these are good options but I disagree with most people by saying that I believe stock are far too risky to dabble in. Yes, they can pay off in huge sums but the risk aversion is something i look for when it comes to assuring a comfortable retirement.