<prompt> Human: If Im too sick to work, what good is all that money going to do me? If the nation is so fucked that there isnt any social security then I doubt some big nest egg is going to be that great either.I know this is a terrible attitude, so Im looking for some positive reinforcement here.Edit: sorry about the typo, history of heart disease  <response>: Retirement saving is not a boolean decision between spending 100 of your money now enjoying life vs. spending very little of your money now so you can enjoy life later. Theres a balance in between. If the nation is so fucked that there isnt any social security then I doubt some big nest egg is going to be that great either.Social security was never meant to be a general retirement savings program. It still isnt. Its an insurance program to keep the elderly from starving.Furthermore, having your own savings is exactly what you would want in the event social security ceases to exist which it wont, by the way, even with no action from Congress. I know this is a terrible attitude, so Im looking for some positive reinforcement here.Yes, it is a bad attitude. What if your car breaks down? Come upon major house repairs? Come down with an expensive chronic illness? Lack of family history doesnt mean youre guaranteed never to get anything.You need some form of savings to pay for unexpected expenses. You also need longer-term savings for when you are unwilling or unable to work. Yes, I know you intend to work forever, but are you really sure thats what youll want when youre 75 or 80? To be dependent on social security or a job in order to pay for things? I would bet not.Not to mention, if you are always spending 100 of your salary, then youll always be spending 100 of your salary even if you get raises, and when you are unable or unwilling to work any more, youll be accustomed to such an inflated lifestyle that youll find it difficult or impossible to scale back and will be a wage slave for the rest of your life. Thats not a life you want.edit Since you want motivation, here are some old links that I think are motivational. FUMoney comments on I am willing to work hard to achieve FI, advice? At 35, my 401K just hit...401K. Total brag and some advice for you younger folks. bobsmithhome comments on Is it all worth it? 