A rich American was trying to explain to a poor fisherman he met in an island in Latin America, regarding the benefits of planning for retirement -— 401K, trust, deeds, etc.
The fisherman asked him -— you do all of this for what purpose ?
The rich American said — so that when I reach retirement age, I can relax, not have to worry about all the necessities of life and have all my needs taken care of.
The fisherman said — But senor, I am already enjoying what you want now.