Subject: Re: Was the 401(k) a Mistake?
Yes, people don't want to hear about spending control. They want that jet ski. They want to eat out every night. Etc.

If they set aside money for investing, they can't do all that.

Which is a valid point. If you avoid living so you can save, then you can end up with an expensive funeral and not have lived. It's a balance. However, people tend to be bad at delayed gratification and planning for the future.