Say you start saving in your 401K at age 25 and retire at 65. For simplicty purposes, let's say your average total yearly wages are $60K and that your average return on your portfolio is 10%.

The max an employer will match is often 6% and let's say you set aside 6% of your gross monthly income (about $300 before taxes). This knocks off about $200 a month off your net cash flow.

A decrease of $200 a month in your net cash flow may not hurt you, but is is the equivilant of another Holocaust, slavery, Operation Wetback and a Hiroshima/Nagisaki for some of your fellow Kwanicans:

(For simplicity purposes, we will assume they - like you - earn an average wage of $60K over the term of their career),

Ira - Thanks to his Ira's co-racialists, the Kwa has become flooded with shit. A group of radicalized dark skinned Muslims just move in two doors down and they are rabidly "anti-Semitic". This makes Ira very nervous: Ira cannot afford to part with $200 a month because that is what Ira spends on cigarrettes to calm his nerves. Not does Ira not save a penny for his retirement, but he does not even reach retirement age and becomes a "good jew" (i.e., he perishes) at age 40 due to lung cancer.

Tyrone - Tyrone likes to have a lot of useless bling, bling like rims that are worth more than his car and useless, wireless stuff (to make himself look important) along with greatly overpriced clothes - not to mention, his crack habit. Because Tyrone cannot manage his cash flow, he puts it on his 28% credit cards. Because Tyrone is behind on child support payment to his numerous "baby's mamas", Tyrone can barely pay the $200 minumum monthly payment to his credit cards so setting aside $200 would be unthinkable. Twenty years later, Tyrone is still broke and up to his ears in debt and dies because of a clogged artery due to all the fried chicken his black monkey ass inisted on eating.

Jose - Jose is just simply a dumb fuck and like most foreigned born of his ilk, he just doesn't have a clue. Jose luckily makes it to 65 but all he has to settle for is his $1300 a month SSI check and because he was an irresponsible fuck, his kids have to supoport him.

Li - Li spends $200 a month for sucky, sucky at the local bathhouse because he's too feminine and too weird to get a regular girl and he cannot part with that for the world. Li ends up broke and dead at 40 due to AIDS.

Otto - Otto puts aside that 6% every month that is matched by his employer, where he works for 30 years. He does his homework and knows how to diversify his portfolio and manage his risk and earns 10% a year (on average) for his efforts.

Otto managed to cut his expenses and streamline his budget so the $200 net decrease in monthly income posed no problem at all. In fact, FORTY YEARS of $3600+$3600 x 1.1 went by extremely fast.

By 65, Otto has managed pay off his mortgage, almost a half a dozen cars and has no debt to speak of. By retirement age, Otto has $3.5 million in his portfolio. Otto moves to PA, where retirement income is untaxed and lives on a mere 5% a year of his portfolio ($175K net or maybe $70K net in 2007 dollars) while his portfolio continues to grow, even while living off of it.

When Otto dies, he agrees to leave the $3.5 to $4.5 million remaining to his children provided they quit their day jobs and work full-time to help clean up the Kwa of the mess Ira's co-racialists made of it ...