Oh I DO! 10% of my gross goes directly into my 401K. The company adds another 3% on top of that. The scottrade account is just me playing around with some mad money trying to be one of the rare few that scores with penny stocks.
One advantage of investing regularly is that you get used to living on less money.
Then when you retire, you're already conditioned to it.
Unfortunately, no one can predict the rising cost of health insurance and other medical costs. What we need is not life insurance, not health insurance, but health cost insurance.
A good program would be a real medical savings account, that you could invest in when you are young and healthy, and draw on when you become old and feeble. This stupid year-by-year crap is not fooling anyone.