Finance with Chocolate Sauce

11.) Retirement versus cosmetic surgery- Your future is your own and I need to you to save for it. I quote a blogger in my book (Have I mentioned that I’ve written a book?) who states that in 1999 women had the 43% of the 4.6 million cosmetic procedures in the U.S. each year and that Americans spend $300 million dollars per DAY on clothes.  How much have you spent on clothes this year, or surgery, versus the money you have saved for retirement?