A younger friend of mine doesn't see the point of investing money because she doesn't think she is going to live very long and thinks that is why a lot of people don't. I don't know if this is true or not, but if she feels that is the case, of course, she is free to do so. If someone doesn't deem it important, who am I to make them think otherwise? How someone can not see the value in it, is beyond me for so many reasons. Of course, we have no idea how much time we have, that is a given. But on the chances that there is a good chance I will live awhile, I am willing to forego 10% of my salary to investments. I don't think that is a big sacrifice to make. The way I see it, 10% is all we needed to invest from the time we began working until retirement to have "enough". But for other reasons younger people don't think about like having enough money gives you choices and peace of mind later at a stage in life that is beginning to wear you down. We assume when we are younger that we will always feel as good as we do then, not realizing that time changes things and nothing is guaranteed. Health issues come up or spouses or family you depended upon pass away. 10% is not so hard to do for a little insurance financially because like it or not, we exist in a world that requires money in order to survive and to provide for our basic necessities. No, we may not live very long, but what if we do.