Good points. But on the attitude questions about how one feels about a lifetime of working and what retirement means to them, the way a person at 20 feels (a k

Good points. But on the attitude questions about how one feels about a lifetime of working and what retirement means to them, the way a person at 20 feels (a kid, really) is not very predictive of the way they'll feel at 55 years of age. It's hardly worth taking their feelings into account at all.