 If things are too expensive, you're busting your budget. You don't want to use credit cards. I like the fact that they're saying, what can I cut out? I think the problem here is just some people might be cutting out the wrong thing, especially if they're not in debt. If you're not in debt, now is not the time to be pausing retirement. Now's the time to prioritize retirement and maybe cut some other things in your budget if it's feeling tight for some reason.