There is no debate here. Regardless if you are rich or poor. You need to save and invest that savings.

If you never get rich, wealthy, affluent, 1%, then so be it. But you will absolutely need another source of income as you crest over 55 years old. Better to plan now then wait until it is too late.

My goal is not to be rich. Being rich or wealthy is not the end all to the human experience. I prefer to have perfect health over money. But I also want to have a steady flow of cash, a safe/stable home and to have fun with my loved ones.

If someone told you that by saving $50-100/month for 20 years, your 40 year old self would have $500k? Would you do it? Most likely yes. Now we are telling our 30-40 year old selves to save $100-$200/month for 20-30 years, so we can be comfortable in our 50's and 60's.

Why is this even an argument?