Thanks for the comment, Klaatu. I'd like to hear more discussion about this, too, especially any arguments about whether saving money is really necessary or not. I have at least one colleague at work who rides his bike 4.5 miles each way (and has for the last 20 some years), and he says that he does not save for retirement because his retirement plan is to get hit by a Suburban on the road. I think he's only half kidding.