Investing in your future self
Most designers don't neglect retirement planning because they're careless - they neglect it because, as sole traders or business owners, no one ever makes it feel urgent. It's not mandated, cashflow can be lumpy, and there's always something more immediate demanding attention.
Designers are also natural optimists. They assume they'll work it out later, that future income will be higher, or that the business itself will be the asset. The problem is that "later" has a habit of arriving quietly - and by then, time is the one thing you can't make up.
What's really at stake here is choice. Design is rewarding, but it's demanding work, and relying on being able or willing to work indefinitely is risky. Retirement planning isn't about taking money away from today's life, it's about giving your future-self options, independence and security.
Even small, consistent contributions make a meaningful difference over time. The designers who get this right early don't necessarily earn more - they just think longer term, and that compounds.