The writer obviously believes there's only two types of people. Those who see a lump sum as More money, and those who see a monthly check and view everything as

The writer obviously believes there's only two types of people. Those who see a lump sum as More money, and those who see a monthly check and view everything as a payment. How about taking that million, leveraging it to produce a business, and instead of "retirement" (wtf does that even mean?) draw a salary while doing something you love while also having a good bit of cash in the bank. Successful people that I know seem to do the latter, not sit around dreaming of the day they can waste away until they die.