Obviously not, it depends on the ratio. Because roughly every year you contribute is a year you can rest on your laurels. If we currently live to 80, and work o

Obviously not, it depends on the ratio. Because roughly every year you contribute is a year you can rest on your laurels. If we currently live to 80, and work on average 20-65, that's 45/80, so the same ratio of working years is 67 of the 120 living years. Retirement would be 87.