mage by luxstorm from Pixabay

I come across article after article about what lousy savers we Americans are.

In tandem with these are many articles and posts by the usual assortment of gurus that define what multiple of your current income you should have saved by a certain age.

I do not know if these articles are meant to make us feel bad about ourselves, or make some of us feel better about ourselves because we are “on track” or…