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dreeves comments on Why is it rational to invest in retirement? I don't get it. - Less Wrong Discussion
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I wrote an article with a smilar conclusion: http://messymatters.com/savings
It includes this caricature of traditional financial advice: "You want to stop working when you’re 60ish, right? And you don’t want to be dirt poor at that point, right? So here’s what you do: live as if you’re dirt poor from now till you’re 60. Problem solved."