(Denny Crane: "Sometimes you can only look for answers from God and failing that... and Fox News".)
What people don't get is, that you "pay as you go." It is up to you how much you "go." If you want to save, you save, if you want to spend, you spend. That easy. Heck I have to pay a stinking accountant $200 every year to do our taxes because we simply cannot keep up with all the "rules of the game" that the IRS puts in. I don't know why some here are griping about people would "save" instead of spend, thus hurting the economy. Heck ain't Greenspan and all those talking heads whining all the time about Americans NOT saving enough. What would be next, saving too much and not SPENDING enough?