Just think if you guys who take all these dead days worked every day. An extra 20k a year for 10 years invested into real estate that has been steady at 5-10% yearly return, or the s&p 500 which is just about the same would have you retiring much earlier. Compounding interest works magic.
Even if you simply saved that 200k, in 10 years you could buy a house cash, and every month have 13-1500 of free income.
But I guess lots of guys wanna keep working in their late 60s.