Put my tax refund
To work to start
Saving for the long term

The more I save
And the sooner I start
The easier it is
To build up
My retirement savings

Yes, sounds wonderful
Spend every waking moment
Form age 31 to 65 getting ready
For work
Going to work

Saving up money

I'll pass
There will be no
Retirement savings

I rely on the generosity
Of others

And I only work 1 or 2
Days a week

This is my life
Heh