Certainly, but with their example of retiring at 40, you have an 8.5% chance of going broke before you die and a 3.4% chance of going broke before you even reac

Certainly, but with their example of retiring at 40, you have an 8.5% chance of going broke before you die and a 3.4% chance of going broke before you even reach a normal retirement age. That's a much higher level of risk than I would accept.