Yep, I wonder about that (20 years away from retirement)
In my 20s, I often didn't touch ~ 50% of my Gross Pay. Didn't take the vacation to Europe, didn't buy a new car. I was stuffing money into 401k/Roth/savings, because that was the "smart" thing.
When I retire, will that be my reward? "Good for you, you were a frugal person. Since you've already got money, you don't need any of these social/health programs. Come back when all your assets are gone!"
In which case, why don't I just buy a new Escalade every 2-3 years? I can live paycheck-to-paycheck, and then get all my free goodies @ 65 years old.
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In response to this post by vt90)
Posted: 02/22/2018 at 10:28AM