Here is an interesting article I found great:
A lousy match, no match, no plan -- none of these is an excuse for not saving.
To illustrate, let's do some math. We'll assume a worker starts contributing to her 401(k) at age 25, chipping in 6% of her $40,000 salary. Assuming 3% annual salary increases and an 8% average annual return, she'd accumulate $924,153 by age 65. (You can change the assumptions, or figure out how much you can save, by using CCH's 401(k) savings calculator.)
http://tinyurl.com/hrcom-401k33
