At the end of 9 years I paid off my home loan. When you retire you cannot afford to pay rent on social security.... The people who do not save are system slaves, and they will live for today, and suffer a horrible timing out. For those who deferred simple pleasures of $5 coffee’s and own something they will enjoy the golden years. It is risk management. Those who save are invested in the system. Those would do not save, the failed college grads, make up the Marxists and losers who would be killed off immediately in their dream world if it ever came into existance.
And most of them are women. They will not enjoy working the fields and living on raw potatoes.