Most people plan for retirement, that said, a large percentage of retirees spend retirement with less financial freedom than they had planned for. It's important to make a plan that not only allows you to retire when you want to, but also with a comfortable amount of funds so that you can actually enjoy your retirement and not waste it.
Most retirement plans are one big market correction away from disaster.
Over investing into
a 401k is limiting your retirement possibilities.
If you don't plan properly for retirement, you won't retire comfortably.