Quote from nitro:
Break down your paycheck. Let's say you make $50k (adjusted for inflation) a year over the course of your life. Ok:
After taxes, that is more like $35k.
Here are your bills.
1) Rent, $1000 a month.
2) Electricity, $75 a month.
3) Car insurance, $100 a month.
4) Fuel costs and total transportation costs, $200 a month.
5) Water bill, $15 a month.
6) Car lease or finance costs, $220 a month.
7) Entertainment costs, $100 a month.
8) Incidental repairs, $50 a month.
9) Cable, $75 a month.
9) Miscellaneous purchases (books, computer, tv, etc) $50 a month
10) Repay education, $200 a month for a few years.
11) Cell phone, $50 a month.
12) Groceries, $200 a month
This comes to about $27,000 a year. So that leaves $8,000 a year that you can invest, save or whatever. So if you don't have kids, and you save every nickel and dime for say fifty years of working and no bad health isssues happens to you, at the end you have $400,000 saved to retire on. Then you die.
Nice.
This is why you will never see utopia. For a pampered 1st world citizen like yourself, at the very apex of material prosperity in human history, to think like this, is just ridiculous. You are better off materially than the kings and emperors of Rome, yet you are whining about it. To moan about running a surplus of 8k a year - far higher than the total annual income of most of the world's population - is extremely silly. 8k a year saved and invested for 30-40 years will make you more like 1-2 million, by the way - not 400k. Only an American could bitch about a system of society which lets him earn an average salary and retire a millionaire with no special skills or effort.
I also love the fact that you think simple wealth accumulation is the goal of life. Nothing about enjoying the journey, its all about the destination. It's like those tourists who fly to a resort somewhere in the 3rd world, stay in a 5 star hotel all week, then fly back to tell their friends they "did" India (or wherever). You do realize, don't you, that 99.9% of the human race never even got close to the standards of living and opportunities that you sneer at? Thus by your standards, the lives of almost everyone in the past and present are just worthless. If utopia is ever achieved, it won't be reached so long as attitudes like this remain widespread.
You would benefit from changing your perspective. Consider the things you have which you can be rightfully thankful for (if they apply): good health, friends, family, relative freedom compared to most of the world, a reasonable level of security, some intelligence and education. Instead of all these, you could be a dumb uneducated HIV-positive 12 year old sex slave getting butt-fucked daily in a 3rd world brothel; or a man with no legs; or rotting in some 3rd world dungeon because you published a negative story about the president. Then you might actually have something to complain about.
The things that make life worth living are not based around money. Besides, you cannot control your fate. Any one of us could go bankrupt or be crippled or killed tomorrow. Happiness is a state of mind, a mental outlook, not a consumer good you can purchase at Wal-Mart (or Saks). You need to be able to handle the worst of times just as well as the best of them - failure to do so is a weakness, and will undermine you regardless of your material and financial status.
Instead of bitching and moaning on a capitalist message board, why don't you try getting off your lazy ass and actually study some of the philosophers' writings on this subject? People were discussing this 2000, 3000 years ago and already covered everything you are talking about. It's obvious you are in distressed by your station in life, and I put it to you that trying to do something about it will help a lot more than wallowing in self-pity.