It's very simple. Despite the weekly mass shootings in your neighborhood, the life expectancy of an American is still 79 years. And if you're commenting on Hack

It's very simple. Despite the weekly mass shootings in your neighborhood, the life expectancy of an American is still 79 years. And if you're commenting on Hacker News, chances are that yours will be higher. And the majority of American don't get bankrupt on medical expenses. Unless you're willing to live in poverty, or be a burden on your children, saving enough for your old age is your only option. That doesn't mean you shouldn't splurge on the fantastic lattes of your master barista.