 It's so prevalent that the word retirement is even featured prominently in many of our favorite singing vehicles. We're all in a retirement plan. Maybe it's your retirement account. It's great that we have the means, some sort of dedicated investment account. But don't forget that like every financial goal, retirement as a destination has two components, desired amount and target time frame. In other words, you need to look at when and how much before you have any real retirement plan.