“Two of the hardest things to do are save when you’re young and spend when you’re old.”

— “Maxims of Wall Street”

Last week, I spoke before a group of several hundred college students at the Orlando MoneyShow. The one-day seminar was called MoneyShow University.

The speaker before me was a bright young lady representing Fidelity Investments, the Boston-based discount brokerage firm famous for selling mutual funds. She spent an hour trying to convince the youthful audience to start saving for retirement as soon as they graduate.