[DonDavis]

Wow! Some great responses. I agree with Jurgen and Rob.

I'll add....
To NOT plan and invest for the future is foolish and setting yourself up for a VERY rough time later. Without a long term financial plan that includes saving for retirement, a person is just plain being irresponsible. I too, do not include anything the Gov't "promises" for my retirement in my planning. If I get something at that time, great. if not? No problem, I've planned accordingly.

Live like no one else now, so later, you can live like no one else.

Ok, I stole that line, but I like it.