<prompt> Human: So it seems like a lot of companies are going to the subscription and rental model these days e.g. Office 365, Netflix, Redbox, Cellular Service, Uber...etc., on top of our normal monthly bills of insurance, utilities, and rent in many cases. I realize not all of those are requirements, but some kind of are, like Office 365 for work and school and Cellular Service for communication and information for example.With actual ownership starting to go away, what are everyones thoughts on if that is going to hurt peoples retirements? Or will it help them if they are smart by allowing them to invest more of their income?I always thought one of the keys to retirement was to own your home and car so you no longer have those larger monthly payments and can live a decent life on your retirement income. But if the recurring bills stay the same or increase as time goes on, I see that as having a negative affect for retirements.  <response>: Redbox is not new. We used to have Blockbuster. Redbox is cheaper. Uber is not new. Weve had taxis. Cellular service is not new. People have paid for phones for decades.Another thing that hasnt changed: BUDGETING. If you budget, your retirement shouldnt be hurt. If you cant afford Netflix, dont use it. If you cant afford a data plan, dont get one. Budgeting is the best way to set up your financial life and financial future. A subscriptionrental model has not thrown a wrench in the works. 