Okay, I decided to put away about 10% of my salary into my 401 (K). Here's the thing--planning for retirement is a good and positive thing. However, and this doesn't mean I'm not optimistic about a long and happy life, but I wonder if putting that money away into something that I won't technically be able to touch for another five years, is such a good thing. Should I be keeping the money in savings, and use it for a trip? Or should I take advantage of being able to live on a lower salary and take comfort that the money is being put away for the future? I'm very undecided on this.