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[quote=Anonymous][quote=Anonymous]What are people who don’t make enough to live supposed to do? It’s a privilege to save for retirement. It really is.[/quote]

Then they live a basic life in retirement without any extras.  Yes, saving is a "privilege" but far more people are able to save and choose not to.  And yes, the little things add up.  So while one trip for coffee each day doesn't seem like much, when it's $8 *30, that's $240/month and add in multiple poeple in family doing this and extend it to other things that are WANTS not needs and most people could find $$ to save.  
I grew up LMC/Poor.  We didn't live in a nice house, we had a garden and majority of food came from there.  We ate out/got take out pizza maybe 1-2 times per month (and when money was "tight" we didn't even do that).  We drove really old cars, they worked but were not nice (think DCUM area but no AC in the car or the house).  Mom made most of my clothing (sewed it---it wasn't pretty but it worked)--only new clothing I got to buy was underwear, socks and shoes, and even then I typically had 1 pair of everyday shoes and 1 pair of shoes for church.  Who do you know today that has only 2 pairs of shoes?!?!  Even those who say "we cannot save".

However, my parents prioritized saving and never wanted to be a burden.  So they retired with over $500K and another $200K from the "not so nice house" after 40 years of owning the same house (they had it almost paid off).

But if you choose not to save, then you have to live with that choice.  Life is all about choices.  You have a job, it pays X, and your job in life is to live on less than X.  Or find a way to add to X by getting a better job, more education, working a 2nd job, etc.  But the solution is not to live on all of X or more than X
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