I'm not sure I'm old enough to answer this, but retirement scares me, and I basically don't know if retirement is financially likely or reasonable. Even if you invest enough into a 401k early enough, you have a pretty good chance of having serious health problems at some point in life that will probably take most of that money.
Basically the situation is bleak, so I try to focus on doing what I can to improve my situation without dooming about what I can't control.