I came across this article:
http://www.csmonitor.com/2005/0718/p14s01-wmgn.html
that says people might be saving too much money. It can't be the case for me, but do you think that the experts are telling us to save more than we need to?
Also, do people really spend less as they get older? With more medical expenses and maybe needing a nursing home, it doesn't seem to me that expenses would necessarily go down as you get older.