The only saving money hack, made exclusively to protect your freedom. Ages: college to retirement.

If you’re under 30 and seeing this, chances are, a blog post or 2, (or 10) has yelled at you about how screwed your generation is when it comes to your future. Your saving accounts don’t earn interest, you don’t even have emergency money, your income is low, and your student loans will keep in debt for decades.

If you find yourself in this broken equation of modern money, you’ve also likely aware of the issues with real estate inflation, wage stagnation, and rising education costs. Today’s un-affordability is making tomorrow’s un-affordability take a back seat.

Living to 100 seems great, but thinking about how to pay for it, is a whole other layer of problem. It’s especially hard to focus on when most retirement advice is to work one job your whole career so you can save up and retire at 65 or 70, as the “light at the end of your long, unfulfilling tunnel.”

The Future’s Guide to Surviving Retirement

Despite this all too common advice, more and more people are choosing not to live like that. Meaningful work is taking priority over the ability to save money month to month. People are turning hobbies into careers and creating their own jobs when they can’t find any. Economists and psychologists are finding, that as people live longer, they’re developing the need and the desire stay economically / socially active for longer. Many can’t financially afford to retire at 65, but many don’t really want to. There is a shifting mindset, regarding old age and what that lifestyle should look like. An expanding generation of people are saying that working a fulfilling job for a lot longer is desirable over working for 40 years then stopping altogether.

There is a big question around money, retirement, and our future that’s causing many to think, do I even want to stop working altogether? Why save for the day of retirement, if that day may not even happen? Previous generations of workers have retired out of physical necessity, but maybe our bodies won’t need that at 65. Technology will make working from home easier. Plus, many age studying economist predict that by the time twenty somethings reach ‘traditional retirement’ age, much of this age-specific stigma against working won’t be around anymore.