I agree that it doesn't matter who said it. What matters most is that it's true. We may vote a politician into office, but they don't abide by the same rules/restrictions we do. Look at Social Security. Because they borrowed from OUR retirement they had to push back the age we can collect on it. Who knows how long it will be around, even though it continues to be deducted from our paycheck. I would rather be responsible to set the money aside myself, because I can't trust the politicians to look out for us.