According to Inc., Taffer boils those excuses down to just a few different categories: they're made because of fear (like hurting someone's feelings), because owners think they know everything or don't know enough, because of egos that get in the way, or because they blame a scarcity of something, whether it's time or money. They're not making more money, they're paying more taxes. Generally when people retire, they spend more. Money, time, energy. When you're young, you have a lot of time and energy but no money. When you're middle age, you have a lot of money and energy but no time. And when you become old, you trade in that energy for having all the time in the.