10 lame excuses for not saving money:

1. I’m too busy to think about it
2. I have nothing left to save
3. I have too much debt to put money into savings
4. I intend to live fast and die young
5. I want to enjoy the here and now; I might not be here tomorrow
6. I’d like to save money for a rainy day but it hasn’t rained in months
7. I’m too young; I’ll do it later when I’m old
8. I’m old now; it’s too late to make a difference
9. I save thousands each year and the tax man takes it
10. I don’t need to save because I’m planning on winning the lottery

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