I have been approached on many occasions to help people with their various savings plans. Well, their lack of plans.
See, many people who have gotten into this recent savings kick (which has become "sexy" again... only took another recession...) do so with the only motivation being that it should be done because someday we may lose it all.
"I might lose my job."
"How will I make payments on
(insert random hoodad)?"
"I have bills to pay."
"I want to be secure."
Let's think about this for a minute. Is just safety, security, peace of mind, etc. enough to keep you saving? For some (and we're talking .001% of the population), yes. For the bulk of us, heck no.