[Mz]

For one thing, if you stop working, your are unlikely to be able to step back in the game at that same level. There are people who work less and just keep a toe in, so to speak, but if you just completely stop and let all your connections dry up, you may be unable to make money like that again if you should need it for some reason.

For another, inflation. What used to be a LOT of money isn't anymore. What is currently a LOT of money won't be in a few more years. And the beat goes on.

There are other reasons, but from a practical standpoint, those two are biggies.