I know what his point was. I was just pointing out that when you retire, for most people, does have something to do with your age and with the government, becau

I know what his point was. I was just pointing out that when you retire, for most people, does have something to do with your age and with the government, because the government offers tax shelters that are tied to your age, and these are what most people use to fund their retirement. Of course if you're rich enough, you can just pay the taxes and still be rich enough. But that's a circular argument. The point is, the bar for "rich enough to retire" is much higher the younger you are--and not just because you have more years of life ahead of you, but also because of the taxes.