Yeah I totally agree--we have a few friends who have retired very early (50-51) and have had to re-do their financials a couple of times over because of their extravagant lifestyles. The baby boomers generally don't like missing out on anything, speaking from experience here and the costs just keep mounting. It will take a load of taxpayer money to service the hoards of them still to come if there is not a fundamental shift in government policy on this issue.