I don't see where Van needs to stop anymore than you need to stop Dano. It's not that they don't realize the need to start saving but rather they don't have anything to save as evidenced by the growing number of young adults still living with their parents. The exponential growth in personal wealth is by no means assured given that you are talking about a time line of more than 40 years. Illness, injury,divorce, job loss, recession, war, currency devaluation, inflation, deflation bankruptcy any number of things can happen over that time span. In your sheltered little world you're free to make these dumb assumptions.