That might happen for a year or two but it's not like they're getting refreshers priced at 180. After paying all the taxes, and factoring in the HCoL area they

That might happen for a year or two but it's not like they're getting refreshers priced at 180. After paying all the taxes, and factoring in the HCoL area they probably live in, I doubt many people are retiring early on that. Very few high earning people would quit their high paying job so they could live a "normal" life and worry about bills and expenditures.