> "69 (which is when I can retire in my country)" Unless something is rather strange in your country, that is not when you can retire, that is the age you can

> "69 (which is when I can retire in my country)" Unless something is rather strange in your country, that is not when you can retire, that is the age you can collect a taxpayer-funded old age pension. Retirement is an amount of money, not an age - if you won the lottery, presumably you would not be conscripted and forced to work until age 69?