This is a story of 2 friends. One with a very happy ending,one not so much. George and Victor were lifelong friends. They grew up on the same block,attended the same schools. Victor always believed in saving a portion of what he earned. George ,on the other hand put the saving habit off. Victor would tell George that when he retired he was going to have a very nice Ira Distribution each month,which would give him many options. All this because he saved. George never listened. Now both Victor and George are retired. Victor is having a great time,George not so much. We all need an Ira.