management, all three of them are in excellent financial shape," Roy acknowledged.
"The problem is that I'm not going to have enough money left after all this forced saving to enjoy myself. I'm going to have to become a miser and a bookkeeper who budgets as meticulously as you," I worried.
"Not true, Dave," was Roy's straightforward response. "Not true at all. I realize that implementing the strategies that we've discussed sounds like a lot, but it's really not that bad. You've all agreed that setting aside ten percent of your net income, especially when using forced-saving techniques, is relatively painless. In fact, I'll bet you don't even notice the sacrifice."
"Agreed," I conceded.
"Your insurance costs are not overly burdensome. And even though saving for retirement involves some sacrifices, they're hardly crippling. Remember, as I said a few months ago, you have to do some saving and planning for your future—you're going to spend the rest of your life there. Certainly, the plan I've laid out for you isn't too much to ask of yourselves."
"Just think, Dave." An animated James Murray leapt to his feet. "Without doing anything fancy or risky, and without pinching your standard of living very much, you and Sue are on your way to accomplishing all of your fi-nancial goals. And while you sleep like a baby, your friends are tossing and turning, wondering and worrying about their finances."
"What if Dave goes out and buys a large-screen TV with a built-in stereo? Or what if Sue becomes a chargea-holic and runs up thousands of dollars on the credit card?" Cathy demanded. "I know that their financial planning is assured