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Inspired by this clever little piece on “Six Ways to Waste Money Now” from Bankrate.com via MSN, here are my six tips on how to retire poor:

Don’t set up any automatic investments. Even though dozens of financial experts have recommended it, automatic investments are for suckers. You know when to invest – when you have a little bit of spare money at the end of the month! Pay yourself first? I say pay Best Buy or Nintendo or the Cheesecake Factory first!

Use your retirement accounts for loans to buy a house. That money is just sitting there, waiting to be used. There is no sense in worrying about your retirement now – all of that money is just going to sit in there and grow tax free, quietly. Why let it sit there when it could be helping you get a 10% downpayment on a 6 bedroom house for your family of 3? You’ll put the loan back, just as soon as you get out from under those first few mortgage payments, definitely!

Count on becoming a millionaire from cashing in on your home equity. Despite recent events, there is absolutely no reason to think that your $250,000 house in a cookie-cutter suburb won’t be worth $3,000,000 in 15 years. That is the American Dream, right? To live your whole life in a huge house, sell and realize an enormous gain and then buy a brand-new condo right on the beach! It’s foolproof – even though your house has gone up 10,000% in value those condos will still cost what they do today, right? Or you can use your home equity loan to get money to play the stock market and…

Day trade! Just because Jim Cramer, who studies stocks for a living and has access to better analysis and tools than you ever will, can’t beat the market, doesn’t mean you can’t! I don’t remember exactly but I’m pretty sure most of the Fortune 500 Richest Americans are day traders. That’s the way to wealth – well, that and doubling down. Texas Hold ‘Em and hot tips from CNBC – that’s how Warren Buffet did it!

Avoid networking at all costs. Your career is going to progress just fine if you put your nose to the grindstone and properly prepare your TPS cover sheets. Each time you quit a job it is a grand opportunity to moon the boss. That guy you met who works at a place you’d like to work? Lose his email – forget his name the next time you see him. People love that. You will make enough in raises each year to beat inflation, almost! That’s the way to wealth, my friend. Slow and steady wins the race. If you stay with one company long enough, they’ll definitely take care of you when you retire.

Abuse your health. By the time us Gen-Xers retire, surely America will have a cheap, low-cost universal health care system in place. Everyone’s promising one – politicians wouldn’t be making empty promises, would they? So have another helping of fries and wash it down with a Coke. By 2035 they’ll be able to transplant a baboon heart into you at CVS.

Hope those tips helped!

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