Retirement is the phase of life when we stop working for money. It may be a planned one or one by compulsion. In case of retirement by compulsion, the retirement age is mostly 6o. If we consider a life expectancy of 85 years, post retirement you would have to support your life for 25 years without an income. That’s a difficult situation that demands a thoughtful planning.
Also, for all your goals you can get help in the form of a loan but not to support your retirement. You have to take care of it by yourself. So, consider it as the most important goal in your life that needs to be planned.