Your poor savings habits might stem from ignoring the problem or, when you do think of it, slipping into denial. Well, denial is not just a river in Egypt. If you're fooling yourself about your retirement resources, you're probably rationalizing a lot. If this describes you, you might want to examine your emotions on the subject. Are these emotions lining up to justify your lack of action to save for retirement (or your all-too-active spending habits)? If so, you may be using some of these rationalizations too.