What is it that you want to do in retirement? If you don't know yet, this site is a great place to start. The articles in the site can help you bring your vision for retirement into focus. You can note down your thoughts into your retirement dream book for a beginning.
Questions to ask are:
What do you most look forward to doing?
Where do you dream of going?
How do you want to make your lasting mark?
If you could do anything you want, time and money aside, what would it be?
Do you have a certain destination in mind? How much traveling do you plan to do, and with whom?
And as you run wild with your imagination, a reality sets in when you see old men and women around. Maybe this will help you as a wake up call.
A small pointer: If you want to be spending Rs 20000 a month after 25 years, your income every year after 25 years should be more than Rs 13 lacs every year taking inflation at 7%!!