You're right, articles like that are crap articles, so why even address them? No one would ever retire if you read the numbers "needed" for retirement. All those numbers are "nice to have" like it would be nice to live in "Leave it to Beaver" land but no one does. When you post figures showing that no one can afford to live in the major cities where everyone is living, there is a problem with the numbers. Saving, is a habit, like exercise. The amount is up for discussion but most everyone can save something if they want to. I've always lived below my means and heard others making more than I did talk about how they couldn't afford to do what I did or couldn't afford to save. As I said, it's largely a habit.