Saving or not being able to save depends on the person. A pal of mine has money in his wallet that has never seen the light of day. He refuses to spend money. He is very wealthy. Nothing like free food samples and discarded bread at a bakery. You could say that he saves money like a professional, but it is a vice... much like a disease. He makes over $1,000 a day. He has a good job in the Middle East as a contractor for Uncle Sam, doing God's work and helping make the world a better place (for me, it was always disturbing to walk across blood-soaked carpets.. the squish. And later it turns hard and is crunchy.) He cannot spend money without emotional distress. He cannot go on vacation, and it hurts his relationships because girls want stuff. He wears clothes that he finds at discount shops or what has been thrown away. He is an expert about saving money. No thanks. The way I save is that I tuck it away in a place I cannot get it. I can actually get it, but it would take several weeks, lots of paperwork and phone calls, a lot of trouble. And I have credit cards that I let rest in the US. In order to use them I would have to go back and get them first. I also pay into a life insurance plan that I can cash in at some point. I'll be 64, but it will still be nice to have. Thailand has similar plans; for example, Ocean Insurance offers them. I know because my wife used to work there. In the US one can start drawing Social Security at 62. They have a website on which you can track your expected payment. I started an internet account and I got a new Social Security Card before I left home. Prior planning prevents piss poor performance. It is important to do this stuff yourself. I know a British guy who has substantial wealth, and he lives in Thailand. He left it up to his accountant in Britain to take care of collecting his retirement payments while he was kicked back along the Mekong. That did not turn out well. The related topic of life insurance is also important. That is basically saving for your family. I have four policies: one trust (42K Baht per month for life), one for accidents, one investment, and one I just asked my school to buy for me. That is, in China (term; which I plan to keep). I even went so far as to find out how my wife will not have to pay taxes on the trust. In other words, your life can be a circus ride on two horses, but your death can be locked tight like a US nuclear submarine on a mission. As far as your retirement goes, there is no time like the present to get moving on it. Talk to Ocean Insurance in Thailand about investments and insurance. I know for a fact that they are honest about making payments. Not all Thai insurance companies are.