I really don't understand what you're talking about. The OP is saying that you wouldn't need to care about retirement at all if you invest instead of going to c

I really don't understand what you're talking about. The OP is saying that you wouldn't need to care about retirement at all if you invest instead of going to college, and if you can teach yourself a valuable skill like programming, you could likely get most of the benefits of going to college. The question is, will a degree give you a better return than putting the money in the market? Maybe a degree would get you a better job, but you get a later start. Students just aren't taught to figure this sort of stuff out before going to college and getting into debt. College just isn't the right fit for many people and it often just puts them behind.