[vikingcelt]

"going through life with one's head up their anus?" I hardly find that applicable to what we're discussing here. This man worked his whole life and look what he gets for it...comments like that from people like you...how old are you anyway and have you ever had ANY tough times? Doesn't sound like it.

[F.J. Mitchell]

I am seventy, was born into hard times, never earned over $35 thousand per year and raised 5 children. I am far from rich, but am comfortable by my standards, in retirement.

My Dad who survived the depression, always preached that it was what you saved from your earnings, not the amount of the earnings. If you make a fortune and save nothing, you are SOL if you lose your job, or unexpected problems come along. Few make wages so low that they cannot save a little out of each check.

Common sense and moderate sacrifice is the key to security-no guarantee though, just an edge.