[Retric]

People can live a long time which can turn relatively modest investments with average returns into significant wealth. 21 to 101 is 80 years and cost dollar averaging kicks in.

Sure you could call a long life and decent job luck, but a lot of people live into their 90’s.

[jongjong]

What do you call living to be 90 years old, if not very lucky? Again, luck.

[Retric]

You can do a lot to improve your odds of hitting 90 vs what actuarial tables show. Baseline may only be 15% but a very healthy lifestyle can get close to 50/50 which isn’t some major stroke of luck.

[jongjong]

I work too hard and not rich enough to live to 90. I'm quite sure of that. Unfortunately, in my reality, I need to work extremely hard just to make ends meet which isn't enough surplus to offset the health problems I'm creating for myself.

[Retric]

I’m sorry you feel that way. Personally I radically reduced living expenses to get out of that kind of situation, but I understand every situation is different.