 Expect to retire at a much later age. So let's go on down and see what these 30 reasons are, why that is. Number one, you haven't saved enough. Many people think they've contributed to an IRA or a 401k. They should have enough money to retire. Despite our best intentions, sometimes life gets in the way and you might think you've been fully funded for your 401k. But sometimes you only contribute enough to get the company match. So basically what they're saying here is this is a concept for some reason.