I'm open minded about the future. I think the problem for people my age (30-ish) is that the entire time we've been working real wages are flat or negative. We'

I'm open minded about the future. I think the problem for people my age (30-ish) is that the entire time we've been working real wages are flat or negative. We've never had a chance to get ahead of the game. I make more money than most of my friends, lots of them have student loans to deal with too, and it's hard to project a way to save even $200k-$300k over the next 30 years. Of course I could cut my expenses, move into a cheaper place, eat lots of ramen, but that's just choosing to live poor now instead of later. So for now I'm making the choice to be poor later.