[Superman]

True, Steve. Again, I appreciate your comments. Yes, $h!t happens. Unexpectedly. But also, there are people out there whose earnings leave them little practical opportunity to amass a retirement portfolio. And I'm not talking about a Bahama retirement. I'm talking about folks whose earnings are less than my pathetic tax payments. Folks whose jobs pay a number of dollars per hour that is a single digit, and who have kids. And medical expenses but no insurance. It's easy to say "He/She should have saved," but imagine looking at an income that resembles my monthly gasoline bill. Everybody wants to identify with the typical, simple, undeducated, salt-of-the-Earth waitress whose family has been democrat but who voted for Dubya.....but how may folks really do understand what it's like to have two jobs because that's what it takes to both eat and live indoors, and always worrying that a medical problem will happen to one of your kids.

Frankly, I don't expect Sally Waitress to save for retirement, in every instance.