Two-thirds of Americans say they won't be able to retire

You can chalk it up to temporary pessimism or long-term disillusionment, but a survey of 613 part-time and full-time American employees found two-thirds said they doubt they'll ever be able to stop working and retire.

As a veterinarian, whether you're planning to own and sell a practice, move up in practice management, or score better and better pay as an associate, if you plan to retire, the earlier you make a financial plan, the better.

The good news is that survey respondents also said they like their work—the work they expect to continue until they're physically infirm. Eighty-three percent feel mutual respect with their boss, 80 percent get satisfaction from their work, 74 percent love working with their colleagues, and 72 percent look forward to coming in every day.