[Ros2]

Wishing you hadn't worked so hard on your deathbed in your 80s is something people say after they have already saved enough money to live out their post-career life.

When you're in your youth working, you have no idea what this number is and better to be safe than sorry. If the amount of work you need to do to get through life with your target level of comfort were "solvable", then people would do it. But capitalism is a world of exponential growth, decay, and unpredictability.

When all financial advisors stop padding the hell out of their client's target retirement date just to be safe, then we can say this regret is solely on the conscience of the person on their deathbed.