Straight from the American Institute of CPAs, here are the retirement questions you need to ask yourself now.​
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1. What do I want to do? Are you thinking of downsizing and relocating in retirement? Or maybe you’d love to start your own small business or consulting practice? Is your dream to stay in your family home and pursue the hobbies and travel you’ve never gotten around to? Determining what “retirement” means to you can help you figure out what your financial needs will be. 
 
2. When do I want to do it? Are you planning to quit as soon as you hit retirement age or keep going to 70 or beyond? Does part-time work sound like a good transition? Once again, knowing when and how your financial situation will change is important in your planning. 
 
3. How is my health? Considering current ailments or conditions can help you determine potential medical costs in retirement as well as future plans. If you’re not able to be as active as you once were, for example, you may find it satisfying to get involved in community or volunteer work rather than make plans for world travel. Focusing on preventive care now also has the potential to minimize health care costs later and allow you to better enjoy retirement. 
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4. How much money will I have? Use online retirement calculators to see how much income you can depend on in retirement and what your needs may be. To get a realistic idea of how much you’ll require, factor in the goals you’ve come up with relating to what you want to do and when, along with possible health care issues and other considerations.  

​Personal finance advisor Peter Dunn, aka Pete the Planner, says that proper financial planning does not require additional work: It requires timelier work. We all know that procrastination is the enemy of a comfortable retirement.
 
Start thinking about a realistic retirement savings plan now. And while you’re thinking, look at one of these well-reviewed books on the topic.