Because facebook is a waste of time, and if you put that $100/mo for 45 years in an IRA with an index fund you will have enough money for at least some heath in

Because facebook is a waste of time, and if you put that $100/mo for 45 years in an IRA with an index fund you will have enough money for at least some heath insurance in old age/senility (may you live to 120). This is coming from someone who graduated college last august.