Everyone is always preaching about saving for an education, house, rainy day or retirement. But retirement is such distant ship-smoke on the horizon.

Presently, 35% of people over 65 work. And both those numbers will keep growing as the cost of living ratchets up.

The best reward for saving money for your senior years. You hereby have permission to sneak some straw from your nest egg when you have one to practice retiring. Go away, far away, for a week or 13 or so. Then come back and work (and invest) some more.