When a new member joins the group and asks about retirement, the almost universal response is track spending and get it under control. I have yet to see a response of 'Full speed ahead, burn those bucks like there is no tomorrow and when you run out, start asking your family, friends, and neighbors for more money". i.e spread the pain of my reckless spending Why does fiscal responsiblity evaporate from an individual to government? Join a condo/homeowner Assoc for a smaller sample of the mentality of people in a group. There is always a percentage of people that like to play fast and reckless with other people's money. The answer is to make this group of people as small of a percentage as possible and track their every move fiscally. i.e. Cut government to the bone, military included.