Thanks, new man, you said it better than I did.
The truth is I wish it weren't the case, that some people just aren't quite able to plan for their far future. In some cases, it's a lack of education, not having the whole thing explained to them in no uncertain terms when they were younger. In some cases, it's simple absent-mindedness. I've gone over my budget a few times due to normal mental hiccups. It's why I use Quickbooks now.
Still, it's not always so preventable. In some cases, it's a matter of financial prioritization; most of us have probably seen tough times and could have used the money we paid to Social Security to make ends meet—sacrificing now because retirement seems so far off, accepting the risk that things may not get better. Some have their plans dashed, even; imagine saving your whole life and suddenly getting in an accident your insurance refuses to cover, having to pour savings into an attorney or something, for example.
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