I just had a wake up call today. You know when you are too busy with work and working out that you get a public holiday to stop and think about your financial future. I realised that I was a bit naive to think the government will get my back when I retire. Then I had this question posed to me: I am currently on a mortgage and it's been 10 years so far into it and I have been paying only the minimum and because of that I feel like I haven't made a significant dent on my loan. If I keep going at this rate, the question is: do you see yourself by the age of say 65 that you are still paying the minimum mortgage repayments? I could be not as healthy by then and probably spend significant funds on medicals at that age and not employed but retired. And imagine the unfortunate ones that don't have their own home and just rent. Would they be OK still pay rent at 65+ and not working and don't have their own home? I probably live a sheltered life not realising the living conditions I have at the moment is based on very good financial planning due to the people that surround me. Even seeing current videos of famous bodybuilders of the past who no longer working and have less of an income to survive and some look frail and weak now (like Ronnie of Flex). Not everyone lives like an Arnie I reckon. Just my thoughts.