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[quote=Anonymous][quote=Anonymous][quote=Anonymous]I will be working until I die. I can't afford to retire. That's for rich people. [/quote]

That is ridiculous. I had 70k of student debt in 1999 with only an undergrad degree (thanks mom and dad for not paying the EFC, which forced me to take out private high-interest loans).

I was dead broke and deep in debt at 21 years old. I had 70k of debt and earned 26k. I worked three jobs for 13 years to pay that debt off.

Guess what? When I was 21, I decided I was NOT going to be poor or struggling when I was old. I started saving for retirement at 21. I am a career nonprofit worker. I am 48 now and have more than $1 million in my retirement accounts. I have other money in home equity and in a brokerage.

Time counts more than anything. Retirement is NOT for rich people alone; it is for people who invest and play the long game. Tiny amounts add up after 25 years. [/quote]

Yes!!!

You look at your income and build a budget around it that includes savings (for retirement, college, vacations, EF, etc) and then you live within your means.  If you want more, you find a better paying job (and you might need to take courses or something to do that).  But it's your life and you have choices. But not saving at all because you "don't make enough" is not a smart choice.  [/quote]

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