My assumption would be that he means this a bit less than literally. I'm 40 now, have always lived frugally, and could reasonably retire now. But when retirem

My assumption would be that he means this a bit less than literally. I'm 40 now, have always lived frugally, and could reasonably retire now. But when retirement starts to look like a real thing in front of you, all you can think about is the "what ifs". Medical bills, kids college tuition in 15 years, stock market crashes, living to 120. And looking back, if I had the opportunity to make 10x, that's such a huge difference not in the amount of "stuff" I'd buy, but the amount of security I'd feel making the jump to retirement.