>>Plans like this just seem downright dangerous to me. Retirement doesn't mean one sleeps 15 hours a day. It generally means one doesn't care much about the da

>>Plans like this just seem downright dangerous to me. Retirement doesn't mean one sleeps 15 hours a day. It generally means one doesn't care much about the day to day financial demands of life and does what he/she always wanted to do. If you give these $50K/yr people $400K at the age of 37, these people will very likely go on to a lot of other important things which can help them make more money.