I'll leave this here as I don't see a better place for it.
Yesterday, I had lunch with my college age son. He tells me that his girl friend's parents have just figured out that they have nothing for retirement saved. Now, they're around 50, both working in management for megacorp, currently have 3 kids in college, own 2 boats and have either 3 or 4 crap cars and the mother is talking about buying a range rover. Their lifestyle matches their sail boat. It's moored at the yacht club which has an annual fee of "if you have to ask, you can't afford it". No, really, when you go on their web page, that's what it says. They also have a power boat that appears to be a lawn ornament. They do use the sail boat a lot and from what my son tells me, it sort of eats watches and fancy pants iPhones and wallets from people falling overboard or saving other people who have fallen overboard. So I guess they had not counted on the costs of college for their 3 kids and now are going to see a financial guy to figure out what to do. Heck.....I know what to do. Sell the freaking boats, cancel the yacht club membership, put money into a freaking 401k (I looked up their company on glass door and the match is awesome) and stop throwing money into the water.
/rant