your money earned from your labors at your disposal, not redistributed to a bunch of lowlifes that didn't do your job for you.
If you think it is too costly to save then you are saying that government can make better decisions regarding your income than you can. You are letting them decide on how much you are taxed instead of you making those decisions through choosing to withdraw money, or not, at a time of your choosing based on your needs or wants. You are voluntarily throwing your money at the government and saying - "spend it as you will". You cannot cry over your own self-inflicted wounds, no pity party when it is easy to learn about how to keep more of your own hard earned money and pay less taxes.
And that is my soap box!