Most people don't realize that they can begin a simple annuity plan on their children when they are born or on themselves which will allow them to be a millionaires when they reach retirement age.

For example:
                    A one time investment on a newborn of $12,000
                    Current interest rate of 7.25%
                    Compounded until age 65
                    Will produce a value of $1,093,846
     
                                        or

                      A one time investment on a newborn of $12,000
                      Guaranteed interest rate of 3.25%
                      Compounded until age 65
                      Will produce a value of $106,411.42

Either the current interest rate value or the guaranteed interest rate value will be available without investing any more money.

Naturally, the longer you wait to begin a retirement plan the more money you will need to invest in order to reach your retirement goal.  However you can start a plan for as little as $100 per month and continue to deposit funds in your retirement plan until 59 1/2 or until you retire.  An excellent vehicle for rollover funds.