Dave, I really wonder if you would have the stomach to actually live in a sink or swim society. Is that really how you want your fellow Americans to live? Most do not make enough to save adequately for retirement - the average salary is between 40 & 50K and salaries are DECREASING due to the glut of people looking for work. That's just the way it is, and costs of living never, ever go down. I really, really hope that you never get the country you are wishing so hard for. What a terrible place to live and die, it would be!