I Can't Save Now!

by: Pauline Uchi, Licensed Financial Consultant

YOUTH I CAN’T SAVE NOW. I’m too young to think just starting out in life and I don’t have anything to save anyway. I’m too busy having fun. Someday I’ll save.

TEENS I CAN’T SAVE NOW. I’m still young and in school. I can’t save while I’m just getting by. Beside, I’ve got better things to do with my money. When I’m out of school and it starts rolling in, then I’ll save.

TWENTIES I CAN’T SAVE NOW. I’m just getting established. I’ve got credit cards due to pay and there’s the loan of the car, too. I’m not ready to make commitments yet and I want to have fun while I can. There will be time to think about saving later on, then I’ll save.

THIRTIES I CAN’T SAVE NOW. I’ve got family and responsibilities. It costs a lot to raise children and there’s the mortgage on the house, too. It takes all I have to make ends meet. When I’m making more and the kids are older, then I’ll save.

FORTIES I CAN’T SAVE NOW. I’ve got kids in college and costs are out of sight. Then, there are weddings. I want to help the kids get started. Expenses are at their highest and it’s the hardest time to save, but things will ease off soon. Then, I’ll save.

FIFTIES I CAN’T SAVE NOW. Things haven’t worked out like I thought they would. It’s not easy when you are locked in and there’s no opportunity to move up the ladder. I can’t just make a break and start a new career. I’m helping the folks, too, now that they need assistance. I’m just barely making ends meet. Something will open up, then, I’ll save.

SIXTIES I CAN’T SAVE NOW. I thought things would be better. I wanted to retire earlier but I just can’t do it. I’m trying to pay off the last of the mortgage and get other bills taken care of, but things mount up. Remembering the grandchildren and other things take all I have. I guess that’s the way it is. I wish I could save.

SEVENTIES I CAN’T SAVE NOW. I’m too old to save. My retirement benefit from the Social Security System and from my company just don’t go far enough. Medical bills and long-term care expenses really worry me. I hate being such a burden on my kids. I wish I had save when I should have. Now it’s too late…….. I REALLY CAN’T SAVE NOW!