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Did I say something offensive? That wasn’t my intention. What I meant was that that 80% of Americans aren't doing squat about their financial futures. The average balance in most 401(k) accounts upon retirement is only $60k. I know that people rely on SS benefits, especially the ones who draw it...

We live by the "pay ourselves first" motto. So we have all savings swiftly tucked away before it hits our hot little hands. We max out the 401(k), with added $5k company match. We max out both Roth's each year and put $1000 a month in a MM account. We are fortunate enough, albeit from...