A _lot_ of people just don't understand saving as a concept. You can see it in the way that people think about retirement savings. They don't think about the b

A _lot_ of people just don't understand saving as a concept. You can see it in the way that people think about retirement savings. They don't think about the basic premise of - right, I need 30 grand a year for 20 years, which means I need about 600k, and then I'll invest it and hope I can match inflation. It's super common instead for people to think - okay, I'll put x% or x a month into retirement savings, based on thinking "this is sort of how much I guess I want to afford to put in", rather than "this is going to result in my desired outcome".