What many people do not realize is that taking just $10 a week from a paycheck (BEFORE you even get it if possible) and put into some kind of savings or IRA account will build into a nice amount over the course of some years and the $10 would not even be missed ...

I worked for one company for 40 years and they had a nice IRA account which of course I paid into but they matched at a minimum of 50% ... I also have a GUARANTEED pension which was fully funded by the company, and they pay 75% of my medical coverage ... My wife and I are extremely fortunate, but to paraphrase Branch Rickey "Good fortune is the residue of design" ... I did a really good job for 40 years and am now reaping the benefits ...