You are ‘living in the here and now’ and leaving nothing on the table as an inheritance. It is also that your life fulfillment does not hinge on your precise vocation and career but to settle for a job you can get . There is also that few people identify themselves as ‘Canadians’ on the census, known as the ’50 shades of white’ . Many use leisure for self-actualization hence social change does not involve professional work and self-determination through work-value . All of this behavior is funded for by ‘living in the here and now’ through reverse mortgages and second mortgages resting upon recent inflation in real estate prices  for mere lifestyle (household) spending, not lifestyle (self) improvement . The counter view is those who are doing this will have to pay up later.