The author lost me with his silly retirement argument on the first page. Note that the college grad starts out making so much more than the high school grad (b

The author lost me with his silly retirement argument on the first page. Note that the college grad starts out making so much more than the high school grad (by the author's figures) that s/he could start adding to that index fund at the time of graduation, while still paying off his student loans and having a higher standard of living than the high school grad. The college grad also could invest sufficient money in the fund each year to quickly surpass the amount of equity the high school grad has and still have a higher standard of living. The author would have been better off skipping the pseudo-finance.