So the IRS really DOES have a sense of humor..
- There are so many important things I need that money for NOW. An extra dinner out this week with the family. That new driver to revolutionize my golf game. The fancy pair of sneakers that make the whiz bang noise with each step.
- There'll always be time to save later. Let's just focus on the here and now. Never do today what you can put off until tomorrow.
- Maybe I won't live long enough to retire. Life is so uncertain. Why should I miss out on the high life now when I might not even need to have money put aside for my old age? (If married, change pronouns in this reason to the plural.)
- I love a challenge. Working into my 70's or 80's or 90's can't be that hard.
- Social Security payments alone will take care of my needs. I know the average Social Security payment is $838 a month. And I'll only need money for things like food and housing.. and medical care.. and clothing and..
- I don't know how to begin. There are so many ways to go about saving for retirement that I need more time to think about it. After all there's the retirement savings plan at work and IRA's and even investing in things like real estate. I just don't know where to start.
- I don't know how much I need for retirement. But I bet it's a huge number and I don't think I can do it. So I won't do anything.
- Planning for retirement is such a big, complicated undertaking. There's no one I can talk to about it. They'd know that I haven't really started saving yet. That would be embarrassing. And how should I invest the money I save? Who can you really trust in this day and age?
- I might get lucky. You never know, I may win the lottery. Or I may be remembered in the will of a long lost relative. Or I might find that my house is right in the middle of a diamond field.
- Taking care of me financially will provide wonderful character-building opportunities for my children. And so many chances for me to feel warm gratitude toward them.
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