It'll matter if it does, and not if it doesn't. It's really simple. If you don't spend $5 now and you even get close to matching inflation that's a few dollars

It'll matter if it does, and not if it doesn't. It's really simple. If you don't spend $5 now and you even get close to matching inflation that's a few dollars you will have in retirement. Most people seem to miss the point entirely on this and go off on some sort of weird tangent into calculation of exponential returns or whatever. The simple fact is that when you no longer have a job, having money is useful.