From ysl two cents
You are absolutely right for no saving needed if 2012 end of the world , but.. but now is Jun 2011, few more months to go before its end of the world , as long as you are sure you have enough fund to see you through before end of the world, or you are definite you still able to earn and spend toward the 2012 end of the world, thats alright .
For those who are not taking the Avatar message seriously like me , surely will advise you that 'What if this is not happen ? '
Your procrastination will continue , its your life its your choice .