For most people, retirement is a far way off. Those decades can seem like a long time to figure out how to build a nest egg but saving enough to live off of for the rest of your life can be tricky business.There are lies that everyone who aren’t on in the retirement mindset always tell themselves. The people who truly believe these lies are the ones that barely scrape by when they can’t work anymore.

Lie #1: I can’t afford to save now, but I’ll definitely save as much as I can in the future.

This lie is probably the most common one we tell ourselves. It is never too early to start saving for retirement. People often mistake working to live as the primary goal of working. The primary goal should be to make/save enough so you don’t have to work anymore. In other words, retirement should always be on your mind as a goal and not just an inevitable consequence.

Studies have shown that young people believe the ideal age to start saving is 26 while older people say they actually started to save around the age of 32. That six year gap might not seem like much but someone who makes $40,000 per year accounting for raises and a steady saving habit with interest will lose around $340,000 by the time they retire. That is almost 30% of their total retirement nest egg just by missing those initial years.

Lie #2: If I fall behind, I’ll make up for it with higher investment returns.

Theoretically this is a good idea. But the sentiment implies that you’ll have control over your investment returns. Investments that give higher returns are inherently more risky. Anyone who relies on their ability to read and play the stock market for their future are severely overestimating themselves. Even the pros get it wrong half the time, the only difference is they’re playing with millions of dollars so they can afford to get it wrong and make it up in the long run. If you strike out in the market, that is most likely everything you’ve got.

Lie #3: I don’t need to do a full-fledged retirement check-up. I have a pretty good feel for where I stand without crunching the numbers.

We understand, numbers are scary and require way more thought than you’re willing to give up. God forbid you use your mental powers on your future instead of figuring out who is next to die in Game of Thrones. The fact is, there are realistic ways that you can gauge how best to save for your future. Figuring out if you’re on the right track or even what your spend down of your nest egg might be is crucial to your retirement. Who knows, you might find that you’ve actually hit retirement without even realizing it. Just keep in mind, these tools are not foolproof. The best way to ensure enough for retirement is a prudent financial mindset.

Lie #4: If all else fails, I’ll just work in retirement.

Let’s face it, we all know this one is a lie. Nobody wants to work till they die. While this might be a sad reality for many people, it doesn’t have to be. According to the Employee Benefit Research Institute’s 2016 Retirement Confidence Survey a whopping 67% of people plan to work during retirement to live. This is a startling mindset that people are just not confident in their savings.

Many of them admit they might be more comfortable with the idea if they had started to save earlier, even if by a little.