Painless Saving: Tricking Yourself into Saving a lot More Money

Lot's of smart people have written what amounts to countless reams of paper on the subject of why we don't save more than we do. I don't know of any that have just come out and said what the real problem is... for most people saving is hard, like next-to-impossible-hard... and it's absolutely no fun.

Of course, saving is just like other things in life... those who can afford to save, in general, save more. No, not always, but usually. And the closer we get to retirement age, the more we save, albeit much too late in the vast majority of cases.''