You have to do it and you have to do it NOW!
Plan for your retirement that is! I just started a new job and am disappointed to find out that they do not offer a 401K but they will hold out part of your paycheck and purchase savings bond on your behalf.
It is better than doing nothing at all!
I will be creating my own IRA or looking for a part time job that provides a 401K that I can max out.
It is never too late to start trying to save for your retirement, the only thing is that the longer you wait the more you have to save out of every check!