If other generations would like to be in the same place some day, with spare pensions they can cash in to take a cruise; if they would like to own a home, with a mortgage all paid off; if they would like to reach old age with a bob or two in the bank, then all they have to do is copy us. Everyone has a choice how to spend this month’s earnings. So think long and hard about it. Look after your money, dear children, and some day it will look after you.