You don't need to be perfect, just not stupid. You don't need to predict something 20 years in the future from now, but you should be prepared for shit to happen. People don't save, people live in houses that are nicer than they need. Why do you think the average sq ft of houses has gone up? People want nicer things. The same house someone had 50 years ago is just not okay now, people are too good for it. Everyone wants nicer things because people who make money have them. People aren't entitled to a nice big house, it is something that is earned. I didn't get a lucky dice role, other than not being a complete idiot like most people apparently. Obviously I can't control everything, but I can control how hard I work and how I spend my money. I work harder than most and spend my money on less stupid shit than most. It's not that hard.