Ya know, most people save money all their lives in the bank, in a 401k, and so on, so that they can afford to retire. So in other words, when I am 67 years old I am supposed to have enough money to relax sit back, and enjoy... uh... wait a minute, honestly, what the FUCK am I going to enjoy at 67 years old? Chances are the things I will enjoy when I am that age will be things that are likely simple and inexpensive, like a quality toilet seat or a real nice water hose. On the flip side, the things I enjoy now are moving really fast, going vertical, hangovers, habaneros, taking chances, unknown spaces, the list is endless.

The average life expectancy in the United States is currently roughly 78 years. I can only imagine in the last 5 years of that span you are not going to be able to get around very well. So let's say your are essentially in twilight at age 73. Now correct me if I am wrong, but that means you have about 6 good years, when you are in your late 60s to early 70s to enjoy yourself! NO THANKS!

Wouldn't a better plan be to save enough throughout life to get by when you need to but can't get around well, and shave enough off now to enjoy things while you can? Do you really want to try and explore the world at an advanced age? I didn't think so.

Now, you may be sitting there thinking it is a risk to do such a thing, but let's analyze. Isn't is more of a risk to collect a million bucks but chance being 70 and not be able to spend it in a proper fashion? Or even worse, save 500,000 bucks by age 59 and be killed buy a wayward dolphin or choke to death on a gummy bear? What is the point of this? Live in the now.