I have mostly stopped drinking alcohol. Our downstairs fridge has 4 or 5 different kinds of good-tasting non-alcoholic beers; there has been a real explosion in

I have mostly stopped drinking alcohol. Our downstairs fridge has 4 or 5 different kinds of good-tasting non-alcoholic beers; there has been a real explosion in the variety and quality of them available over the last decade. Many are fairly hard to distinguish from their alcohol-laden counterparts and even what small difference exists is far from worth the hangover/sluggish feeling. When I have a drink now, it's likely a red wine with a beef dish and only a single. On the flip side, I think the pressure to invest in a 401k is a strongly net-beneficial pressure. (Roth if your marginal tax rate is low now, traditional or a mix if your marginal tax rate is high now and you think it will be lower in retirement.) It’s not just about being a skilled investor or not, but the psychology and practicality of making a decision to save once and having that decision auto-implemented every paycheck has a way of preventing that retirement savings from turning into new cars and fantastic vacations now and a meager retirement nest egg later. The modest tax advantages and being largely judgment proof are icing on the cake, but the easy way to implement a disciplined process is very valuable.