Andy Rent sat down with Ray LeVitre of Net Worth Advisory Group, to talk about the importance of saving and planning for retirement.

Ray says that we need to start thinking about retirement far earlier than most people do. In your 20s and 30s, you really need to start saving, and probably save between 10 and 15 percent of your income.

If you don't have a 401k, Ray suggests opening up a Roth IRA account or a traditional IRA through a brokerage firm.

Looking for some other ways to save and plan for your retirement? Check out what else Ray had to say in the video below.