Saving for what? You have no dependents. If you're saving so that you won't have to worry about going bankrupt when you're older, then that's intelligent. But if you're just saving out of habit, saving well beyond what you realistically need, you should at least consider changing your habits. After all, saving is now a sucker's game.
The best thing you can do is be spend like crazy, enjoy yourself, build up a massive debt, and die before you have to pay it back. Of course, that's hard to time unless you're good with committing suicide one day.
Also, I suppose it's unethical to do that inentionally . . . depending on what your values are, but I'm not going to go there.
I too used to save and invest as much as I could. In case you haven't guessed, that's not my strategy any longer. In fact, I'd like to get completely off "the grid," so to speak, so that I don't need money any longer. You see, I don't trust our money at all and think that those who do are fools. Not only is it clear that our government is hell-bent on printing as much money as possible (and who is going to stop it?) but it's also clear that our media is going to lie to us about what's going on, making us think that our money isn't dropping in value as quickly as it really is.
Two years ago, I'd still buy Banquet TV dinners occasionally for my lunch. I could get them for $1.00 apiece most weeks. Then Banquet scrapped most of its dinners and just left the lousy ones... mac & cheese, spaghetti, etc. THIS year, they changed their boxes and upped the price - claiming that they're giving more food per dinner. Of course, it's not enough more food to compensate for the higher price, but more food. And now the cheapest I can find Banquet (still crappy) TV dinners is $1.25 on sale.
That's AT LEAST a 25% increase.
The dried soup I buy (just add water, then nuke for three minutes) just went from $1.00 to $1.10. That's 10%.
I was mixing my own cottage cheese and pineapple and eating that some days. But this year, the generic canned pineapple jumped from $1.20 to $1.40. 17%.
A few years ago, I could regularly find boneless chuck steak for $0.99/lb. Now I'm happy to find it for $3.00/lb. 200%.
It goes on and on. All the low end food is leaping in price.
Actually, I've got that backwards.
All of my dollars are DROPPING in value.
And it's not going to get better. I'd be a fool to continue saving money the way I used to. I don't earn any interest on it and its buying power is falling at breakneck speed.
I think, instead, I'm going to work harder at SPENDING my money... on things that will either not lose their value or will produce useful things for me (like apples and peaches.)
The day of being a saver is over. Except for saps, anyway.
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