I would be more careful about how I spent my money. I talk to a lot of people that are in the 'Golden Years' of their lives, and they haven't  planned for their retirement. I happen to be one of those, I've always felt,Hey, I'm a good salesman, I can sell anything, I'll never be out of a job,

but when that time comes and you look back on your life, and now you can't work like you used to, you think 'what if' I had put some of that money

away, because I could use it now. And according to Social Security they tell you that when 95 out of 100  when they reach age 65 are broke, and you look in the mirror and say to yourself 'if I had only' Think about it folks, and

don't say to yourself, 'Nah, that won't ever happen to me'