Oldfart
Well-Known Member
I guess many people don't start saving for retirement till they are in their 40's if they can't retire by the time they reach 66. There is no reason why you can't make small sacrifices during your working years that will enable you to be comfortable for retirement. I bet some of the people that claim they don't make enough money to even put 3% or more in a 401k visit Starbucks a few times a week, smoke a few packs of cigs a week. Eat out everyday at lunch instead of packing a lunch. Drive a car that is too pricey for their income. Those same people will refi. their house and instead of cutting their years or their monthly note, will cash out and start their mortgage length all over again. Small sacrifices for 30 or so years will result in having a nice retirement waiting on you when it is time.