That's a good question. A literal plan should be implemented for retirement. When we need wisdom for planning, many times, we find ourselves in the book of Proverbs.
Proverbs 13:22
22 A good man leaveth an inheritance to his children's children: and the wealth of the sinner is laid up for the just.../
(Any retirement plan must include something extra to pass down to the kids/family.)
Proverbs 21:
20 There is treasure to be desired and oil in the dwelling of the wise; but a foolish man spendeth it up.../
(this translates to me as, have some cash on hand, save some at home, don't spend it all.) (towards retirement)
Proverbs 15:22
22 Without counsel plans fail, but with many advisers they succeed.../
(You hardly ever see a successful businessman on the news or whatever, alone. They're always got a few guys with them...Advisors)
So, Proverbs indicates that retirement includes having something to pass down to family, (
Not only that, but a prophecy about a wealth transfer in the last days from the wicked to the righteous.) The other scripture seems to advise us to save. Don't live paycheck to paycheck and spend it all up. Put some back that you don't get into. Even 10 bucks a week or whatever. Something.
There's also Proverbs 13:4, Proverbs10:22, Proverbs 28:19, Proverbs 22:9...all speak to financial planning. Jesus gives us some financial advise in Matthew 6:19-21. That tells me, don't keep all my eggs in the same basket, and to actually be mindful of retirement includes some planning towards...(wait for it)...after Jesus comes and it's all over and we go to heaven. He said He went to prepare a place for us. For me, for you. They're probably putting the finishing touches on our new houses. Some will be mansions! We'll be living there. Think eternal, plan for it. Lay up some treasures in heaven and include that in the retirement plan.
How do we lay up treasures in heaven? It's simple. I don't the reference handy, but it says, by doing good works. Helping people. It's as simple as that. Among other ways too, but that's the foundation of it.