"I think even really good savers tend to have areas of weaknesses where they spend a lot, and get a lot of joy from it. But the key is that they cut back elsewhere. And what I see so often now is that’s one thing many people aren’t willing to do. People will spend excessively on travel but won’t make the cuts elsewhere. They use the line of credit instead. And that’s why so many people are so far behind in saving for their retirement. They don’t want to make any compromises or sacrifices."

David Chilton is a Canadian author, investor, and television personality best known for his bestselling book The Wealthy Barber.

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