7) Your retirement plan is for shit. I don’t care how much you set aside for your 401(k). It’s over. The whole myth of savings is gone. Inflation will carve out the bulk of your 401(k). And in order to cash in on that retirement plan you have to live for a really long time doing stuff you don’t like to do. And then suddenly you’re eighty and you’re living a reduced lifestyle in a cave and can barely keep warm at night.