Don’t be a chump: Keep saving

Question: I started my job 10 years ago and have been doing everything the experts recommend: working hard, living below my means and saving religiously. But investment returns have been so poor that I don’t have nearly as much to show for my efforts as I expected. Meanwhile, I see folks who bought houses with no money down, maxed out their credit cards and spent extravagantly are now being coddled by the government. It makes me feel like a chump. Why should I continue to save and invest whether the government is going to reward poor behavior? –Mike, Cleveland, Ohio

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