For what it’s worth, I’m not the one downvoting you. I appreciate your perspective. However, if nobody can retire without the ability to pay $200k/year, very few people will ever be retiring. I believe working with patients in these terrible situations, has created a form of selection bias were you don’t see the successful retirements. Not everyone needs a Fat FIRE, and I would prefer to live frugally and retire early vs working away my life until a regular retirement age.