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My company switched up retirement plans and they held a seminar to explain them. The person running the seminar said that we should be putting 15% of our salaries into retirement.
Nice idea, but if I put 15% of my salary into retirement, then I wouldn't be able to pay my bills. I'm not living extravagantly or anything (buying something for $20 for my enjoyment seems like a splurge to me). Still, whenever I seem to be getting on a better financial footing, life throws me a curve ball. Need new hearing aids ($3,600). New a new dryer ($750). Might need a new car soon.
So either I need to be paid a lot more, I will be working until I'm 90, or I put away the money and go deep into debt but can retire. (Just kidding. I'm nearing 50. I likely won't have enough to retire. Maybe when I'm 80.)
Better start working our way to a cushy desk job so we have somewhere comfortable to die.