Saving for **retirement is something only seniors** need to worry about, right? Well, no. Past generations could count on employer-financed retirement programs, personal savings and social security benefits. These days, if an employer offers a 401(k) plan, most contributions come out of your paycheck, not their profits. Social security benefits for future retirees may be reduced by the looming social security deficit. That leaves saving for retirement squarely on your shoulders. And here's where socking away a little something with your very first paycheck can pay off in your retirement years.