<prompt> Human: All the advice in this subreddit has people investing as much as they can in retirement accounts first after debt is paid off. It makes perfect sense financially, since retirement accounts are tax free, and general consensus is you need to save money for retirement. I understand that part. However, I want to know your specific motivations. What makes retirement money better than money right now? For me, retirement savings is saving money for a time that I dont even know Ill be around for. Am I missing out on some life experiences vacations, business risks, moving to new places, etc for saving for a point in my life I may never reach? I have no kids. The money does no good for anyone if I die before I retire. Im 29 tomorrow. Theres a lot of things out there I want to see and do, and an unknown but limited amount of time to do them in. Now, dont get me wrong. I do save for retirement. I have an old 401k, and an IRA through work that gets matched. Im just want to hear about everyones motivations. Is it just fear of being a poor old man?  <response>: I cant wait to not work. The sooner that day comes, the better. 