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Reply to "Why are people obsessed with putting $$ in retirement?"
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[quote=Anonymous][quote=Anonymous][quote=Anonymous]OP here. My point is that people obsess over retirement and don't enjoy their hard earned money while they are young. I understand putting away money for retirement, but just [b]not most of it[/b]. Saving can make a person miserable. [/quote] This is a straw man argument. No one is telling people to save most of their money. I think a healthy floor is about 20% savings overall, with fluctuations for the heavy daycare years, paying off student loans, etc. Mostly the advice is the save a manageable amount, try to bank salry increases and never leave matching contributions from donors on the table. As you age, you look into the balance of traditional 401k, Roth 401k, traditional/Roth IRAs, 529s, etc. [/quote] ^^Sorry, meant employers not donors.[/quote]
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