Boss #1 (director at our nonprofit plus teaching position at a university, easily makes 100k+ annually) talking to Boss #2 (director at two nonprofits, very busy, makes 120k+ annually) about how tight money is. #1 isn't saving at all for retirement, #2 is saving about 10% annual income for retirement, both are worried about their respective futures. During conversation #1 talks about how she is spending $500/month for phone data plans for her family's iphones and just helped her daughter "buy" (get into debt on) a $300k house... not to mention her daily driver, a huge SUV that averages 8 MPG city.... #2 has spent over $10k on every tech gadget known to mankind and just made genuinely horrid investments - bought an overpriced condo at the very top of the real estate boom in 2007, and continues to invest in volatile micro caps ("yeah, it's gone down 50% but it will go up when company XYZ buys it out!!). I try not to be the snoopy employee but I can hear every word people say - sound carries too well in our workplace... Both bosses live month to month excluding their limited "investments" (liabilities?).