Well yes, it's obviously easier to save a percentage of your income when you have a larger income, but you are missing the point that by starting to save earlier, you can make exponential returns on your savings. Look at the following graph:



Investing less money in your 20s gives you a bigger pension at 65 than investing triple that amount in your 30s-60s as it has less time to grow. Everyone should be paying in to some sort of retirement plan as early possibly in your life.