"Why is that old guy still working? Must not have worked hard enough like I do! I'll be retired at 45 from my stock options and 401k" e.g. extrapolating from l

"Why is that old guy still working? Must not have worked hard enough like I do! I'll be retired at 45 from my stock options and 401k" e.g. extrapolating from last 5-10 years of stock returns, which is all they've known...