I've never got any money to save, no mortgage, no credit cards and I'm not likely to. I've never wanted to buy something I can't afford, and the thought of being tied to a job I hate to pay for all kinds of crap I don't need would destroy my soul. I don't trust banks or pension companies, and think shoving granny into a home, or your kids onto nannies while you work your arse off for employers (who would sack u the minute u get pregnant/sick/depressed/alcoholic if they get the chance) and save with these dodgy blood-suckers is the wrong way to ensure your future in your old age. I will be a burden on my kids, just like I've accepted that they have been and will continue to be a burden on me. I'm a believer in putting your family before any job, and hope that my future and old age will be as secure as me and my little dynasty can collectively make it.