Completely agree. I've seen a lot of people not make it to retirement or get utterly ruined before they get there and then live on scraps. I had a near miss on

Completely agree. I've seen a lot of people not make it to retirement or get utterly ruined before they get there and then live on scraps. I had a near miss on this front which turned me. I'm a lucky one. Also never listen to an ideolog. I haven't met one that isn't wrong yet.