[roc]

Accumulation period is distinct from employment period.

How many people do you know under 35 who were seriously saving 10% toward retirement?

[robryan]

People should be realistic, if they want to retire with a decent income then they should save. If they don't save then get angry about it later then they don't deserve much sympathy.

[Poiesis]

(raises hand)

Although to be fair it only reached 10% after 401k matching kicked in, if I recall correctly. Can't pass up free money.