Whooo... you guys are a Passionate Bunch 
I don't save anymore.. and what I had saved is fast dwindling because I choose to Live in the RIGHT NOW.. I am not a big spender anyway.. I spend mostly on travel now, because tomorrow is not promised to anyone. Like someone mentioned.. I have seen several of my GF's leave this job at 55-60 and drop dead, some in their sleep without having made a dent in their Retirement Money.
If I see a nice airfare and hotel accomo in Jamaica, then I am buying it and I will worry about a bill getting paid later. Got rid of the house bout two years ago when my son left, and bought a condo, paid cash for it.. let someone else worry about the lawn and ish like that.. I have done my time.
My biggest expense these days is my MADISON AVA.. I love buying all the latest BABY STUFF for her, who care what it costs..
I have taught my kids how to save EARLY and OFTEN in life so that you will be able to enjoy your mid-life and not have to wait until the Golden Years to enjoy..
I am so low maintenance that it is hard to change that now.. I can't fathom spending money on some things that other people do.. I'd rather spend mine laying on a beach or in some other warm climes.
I am fortunate that when I retire in December, that I will leave this place with 80% of my salary for 38 years of service, and still able to keep my full health benefits without a major increase in cost.. that is MORE than enough to live on.. I am debt free, own my car and condo and thats about all I can vouch for..
I do have a IRA but that is only because I hit a pretty good lottery about 5 years back and dumped it all in there...
I have already told my children don't look for any savings account with my name on it when I go, because there won't be any.. Take this insurance and bury me as cheaply as possible and keep the bulk of the money for yourselves..
I too am a cash and carry... own no plastic except my bank card and I supply the cash for that... If I can't pay cash for it, then I really don't need it. Hate owing anyone and the interest rates these days is so fickle and besides I don't want to know about interest rates and ish like that..
Some people just need to save to feel "SAFE", but my biggest fear is that I won't have enough time to spend the money that I have coming to me more less the money that I have saved "LOL".
Besides, my kids are saving all their money now, so I am good.. I will always have a place to stay and I will never go hungry. LOL
Thats my story and I am sticking to it..
