These words came out of the mouth of a financial planner whose advice I had recently sought. During our brief conversation I casually mentioned purchasing a pair of shoes a few days earlier, and he reacted with this beauty. The gist of his comment was that discretionary spending, in general, would delay my retirement plans, but in that moment I think he actually saw devil’s horns sprouting from the top of my head. Little did he know that I actually bought two pairs of shoes, not one, at the discount shopping warehouse known by its acronym DSW, at its Union Square mega-store.