Most of us aren't.  If we haven't saved as we should, maybe we have overconsumed, or maybe we've been paying for health insurance, high housing costs, high college tuitions for children, and now high nursing home costs for our parents.  And maybe some of us didn't knuckle down for 30 years at the same awful job, so we might get cheated out of our pension thanks to mendacious corporations, their lobbyists and pet congresspeople.

And maybe some of us are feathering our nests because we intend to stay in them for the rest of our lives.
It's hard to get comfortable in an investment: it has no pillows, and the roof leaks.

       

"The end of all intelligent analysis is to clear the way for synthesis." H.G. Wells "It's not dark yet, but it's getting there." Bob Dylan