It also assumes that you're not going to bring in any more income for the rest of your life too. While the OP could retire and live on a beach somewhere for the

It also assumes that you're not going to bring in any more income for the rest of your life too. While the OP could retire and live on a beach somewhere for the rest of his life... By the nature of being someone who posts on HN, I'm betting that that's not the case.