It's not that hard, really...
Well, I have worked for a hospital since I was 18. One of the benefits given to me was the option of putting money into a 403(b). I took it. I've been saving up for 14 years. A lot of young people don't take that option because they think retirement is a long ways away, and they need the money now. I don't miss the money I put in because I always have done it. So if it's an option, even if you're 18, just take it. You'll be used to the missing money, and you'll have a good amount saved up, even by the time you're 32. :)