Even former mayor Rudy Giuliani admits he should’ve saved for retirement. Giuliani, who landed himself in hot water after facing legal bills for his $148 million civil court ruling, failed to apply for post-office benefits and had to forego the pension. Asked why he didn’t take the money, he said “Giving back to the city I love. Although I would like to take it now,” adding, “I don’t know how to go about it.” With the pension, Giuliani could have collected $442,000 in the last 17 years. He also isn’t getting a pension for his six years as the U.S. attorney for Manhattan or other government work.