re: Nearly Half of All US Families Have Zero Retirement Savings

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My scotch habit is double that

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If you can afford retirement, kudos to you.

If you can't, cutting it by half is worth a lot in the long run.



Spend your money however the hell you want. Just don't expect me- a person who took two menial jobs without benefits after failing to get into medical school the first try, continued to work one of them part time through the first year of residency where I finally replaced it with two more part time jobs to feel bad about (the generic) you not saving enough for retirement when you (still generic) chose to spend your discretionary income on things not essential to survival.