Just to add.....

I don't want to sound arrogant or up my own arse in what I have said (as it may of come across), as £10 a week in a pension (or whatever) is better than fook all and I have the full philosophy that money is no good to me when i'm dead, but you have to try and be realistic and think about the day when your not actually earning and you havent won the lottery!

"something" will always be worth more than "nothing"