George Thriftless should start saving for retirement as soon as possible. He can open an individual retirement account (IRA) and contribute to it annually. It is recommended to save at least 10-15% of his income for retirement. Additionally, he could consider investing in low-cost index funds or other retirement-specific investments to help grow his savings over time.

When forty winters shall beseige thy brow

And dig deep trenches in thy beauty's field.

The youth's proud livery, so gazed on now,

Will be a tatter'd weed, of small worth held:

Then being asked where all thy beauty lies,

Where all the treasure of thy lusty days,

To say, within thine own deep-sunken eyes,

Were an all-eating shame and thriftless praise.

How much more praise deserved thy beauty's use,

If thou couldst answer 'This fair child of mine

Shall sum my count and make my old excuse'

Proving his beauty by succession thine!

This were to be new made when thou art old,

And see thy blood warm when thou feel'st it cold

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George Thriftless is 45 years old, earns $50,000 per year, and expects that his future earnings will keep pace with inflation, but will not exceed inflation. He has not yet saved anything toward his retirement. His company does not offer any pension plan. George pays Social Security taxes equal to 7.5% of his salary, and he assumes that when he retires at age 65, he will receive $ 12,000 per year in inflation-adjusted Social Security benefits for the rest of his life. His life expectancy is age 85. George buys a book on retirement planning that recommends saving enough so that when private savings and Social Security are combined, he can replace 80% of his preretirement salary. George buys a financial calculator and goes through the following calculations: First, he computes the amount he will need to receive in each year of retirement to replace 80% of his salary: 0

Here is Shakespeare's Sonnet 2:

When forty winters shall beseige thy brow,

And dig deep trenches in thy beauty's field,

Thy youth's proud livery, so gazed on now,

Will be a tatter'd weed, of small worth held:

Then being ask'd where all thy beauty lies,

Where all the treasure of thy lusty days;

To say, within thine own deep-sunken eyes,

Were an all-eating shame and thriftless praise.

How much more praise deserved thy beauty's use,

If thou couldst answer 'This fair child of mine

Shall sum my count and make my old excuse,'

Proving his beauty by succession thine!

This were to be new made when thou art old,

And see thy blood warm when thou feel'st it cold.

As with Petrarchian sonnets, this one is divided into an octet and sestet, with a volta or change in perspective after the last line of the octet, the eighth line of the poem. The octet sets up a picture of an elderly person who has lost all of his (although it might just as well be her) beauty, and the sestet moves on to suggest that the old are renewed in their children, and their faded beauty is reborn in them.