[notacoward]

> I need to work until I get to retirement

That is true by definition. No matter how much or how little you make, it remains true. The question is: when do you get to retirement? Making a lot of money makes it a lot sooner.

[fsloth]

In my country I get to retirement when the government says I can go - more or less. Otherwise the pension is really small.

To explain: a large chunk of our salary goes to the state's pension fund - not my fund. When I reach the official retirement age the government will allow me a pension that is scaled based on my payments while employed.

At this time I'm looking at 3 decades on front of keyboard (am 40 and the official pension age for me will be around 70).