> On the one hand, you can live in the moment and hope the government or your family will give you enough for a modestly comfortable if frugal lifestyle in your

> On the one hand, you can live in the moment and hope the government or your family will give you enough for a modestly comfortable if frugal lifestyle in your old age. Living in the moment does not equate to "have 0 savings" or "spend everything you make on experiences". There's a whole spectrum of middle ground between the extremes. I understand the argument you're trying to make, but viewing it through the lens of extremes is a baby mistake (maybe a consequence of polarized american politics?). As an adult, you should be able to find a middle ground that works for you.