Remember all those attractive women you dated that were service workers such as bartenders and waitresses? Remember how they believed themselves to be so clever because they continuously under-claimed their earnings with the revenue service? And, never saved money in a retirement account? Well, here in the USA, your retirement income through Social Security is based on your claimed earnings.

Surprise 35 years later when they realize that their only source of income in retirement is a $1,000 or less per month. When the reality hits that they will never be able to retire (without a well heeled partner) they will make contact with you to check you out. This is an ever-lasting truth.