Are you saying that in fact the vast majority of Americans are saving for retirement rather than buying the latest gadget, etc., not saving a dime? The facts of American spending/savings do not support that.
Poorly "planned lives" are the rule, not the exception. I'm just waiting for the big government rescue team to come knocking at my door, taking away what I've saved to give it to the high rollers.
You know who can come knocking at your door faster then the government? Doctors and hospitals. They can eat right through every cent you've ever saved, they can eat up the equity in your house, they can take over just about everything you've ever owned. They can cause you to willingly empty out your 401k (AND pay the premium for cashing out) just to give you a few extra days with someone. Don't be so smug about how well you have things planned out.
"Poorly "planned lives" are the rule, not the exception. I'm just waiting for the big government rescue team to come knocking at my door, taking away what I've saved to give it to the high rollers."
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I am sure that all are delighted for you, 69. All are happy that your savings have not been interrupted by unexpected illness or tragedy.