You see I think that investing in banks and bonds and bullshit returns are a BAD investment. You wanna invest in something, invest in yourself and your community. I am not worried about my retirement. I know I will have a community of loving and healthy people around me to help with my elder stage of life. If I worry about the future and how I will take care of myself then I am not enjoying or making the most of this moment.
Fuck the system, spend it all. Build your present moment, experience a strong community and learn how to be healthy with people who are learning how to be healthy. You will be the richest person in the world, even after you burn through the million dollars you had.