Retirement plans should be made from the day one starts working. Many people simply spend on whatever they want, then it becomes too late to save. As far as lowballers (not frugal people) go, they seem to be the first ones to complain about how little they make, or not getting raises. It's different to them when their bosses are lowballers and won't pay them more money, then they expect the rest of us to pick up the slack by selling things cheaply to them, after the many sacrifices we had to make to better our positions in life. Why is that.