so you basically stare at each other and take occasional walks to the library for retirement?

IIRC, there is no "other" There is and has only ever been "one".
Who hit an investment jackpot in his 30's.
A $500,000 retirement portfolio in 1994 for someone in their 30's is a whole bunch and VERY non-typical.

Not that there is anything wrong with any of that, just that it is not typical.

Reminds me of a youtube video I just saw by a financial advisor talking about taking Social Security at 62 vs. 70.
Using the example of a 62 year old couple with $3.5 million in retirement accounts.
(That's when a large number of viewers bailed out, based on the comments.)

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Sound like intercst has a lot of electrons with zero marginal utility.