I should add that one of the reasons this got me thinking is that I read somewhere that you can’t retire on less than a million bucks or so. Given that most people start working at around age 21 or so, so if this sentiment is true, you have less than 20-30 years to make a million dollars plus. I can’t see how this leaves much, if any, margin for error. If you lose more than, say, two or three years to a bad economy, bad decisions, or what have you, are you completely screwed?