Good stuff snipped.

We, Americans, are NOT saving. Most folks are in over their heads
with debt, anything from credit card abuse to large mortgages on huge
home that they do not need. I have seen referrences to the fact that
very few people are even *trying* to save. To me that is the greatest
fault. They (the ones not saving) assume that all will be well when
they retire because they are relying on their company retirement
(which could go away tommorrow as we have seen with several companies)
and/or SS. Unless something is done with the SS fund, there won't be
any monies to give anyone. It's almost broke and Washington (both
parties) is doing nothing about it. If I was at a working age right
now, I would have two jobs - one to live off of and one to save.

Dave