Age 21 to 30 ….. I CAN'T SAVE NOW. I'm young. There is plenty of time. Wait until I start making a little more. Then I’ll save.
Age 30 to 45 ….. I CAN’T SAVE NOW. I've a growing family on my hands. It takes all I make to keep them going. As soon as they are a little older, it'll cost less. Then I'll save.
Age 45 to 55 ….. I CAN'T SAVE NOW. I have two children in college. It's all I can do to pay their expenses. I can't save a penny. Wait until they're out of college and on their own – then I can really 'stash it away'.
Age 55 to 65 ….. I CAN'T SAVE NOW. I know I should. But things aren't breaking like they were. It's not easy for a man of my age to step out and get a better job. Maybe something will break later.
Age 65 ….. I CAN’T SAVE NOW. We're living with my son and his wife. My Superannuation doesn’t go far. I wish I had stated saving years ago, but I never had the chance. I can’t save now – there’s no income.
Let's begin the conversation and take it from there.