Life has also become so much fancier now and glamorous that people get lured to spend, thinking that they still have time to save and they never realize how time flies and they are never then able to save enough to last for all those years in which they will not be working.
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Exactly, it's like there are more distractions now and we often get so engrossed in the present that we forget to consider the future and planning for it. Sometimes, it's better to just zoom out and see the big picture of life itself.