The hardest part of change is going through the unknown.
When it comes to money, the only skill most people know is to work hard.
The harder you work for money, the more you are taxed, the harder your money works, the less it is taxed.
You don't achieve success by "taking it easy" or "working on it later." You achieve it thru persistence and hard work.
As I said, I wish I could say it was easy. It wasn't, but it wasn't hard either. But without a strong reason or purpose, anything in life is hard.
Workers work hard enough to not be fired, and owners pay just enough so that workers won't quit.
You do not have to be a rocket scientist to know that it is hard for a market to keep going up when more and more people are getting out.
Working hard to earn more money and then giving it away in higher taxes isn't financially intelligent, even if you do put some of it into a retirement account.