Haha not at all man. You need to watch Dave Ramsey or read one of his books on how to become a millionaire in 20 years. You can get compounded interest on most IRA's and mutual funds can grow exponentially. You need to go see a financial advisor and they will explain it all to you. Saving is where its at especially if you have more money than you know what to do with. We can all learn something from jews and they are the experts of saving money