Funny, but I discussed this topic with the 50-year-old FIOs installer just two weeks ago. He was trying to advise his college-aged daughter on a career choice, and after he described her being back and forth trying to decide between pursuing her love of teaching and some other more lucrative career into which he was trying to steer her, we both blurted out, "Yeah, at the end, it's about maximizing the dollar while minimizing the amount of pain."
Got retiree health care through your company? What if the company goes bankrupt? Retire and go RVing full time? RVs are not structurally sound. You'll die in a fiery crash. Retire and live overseas? What if you die? Aren't you worried about your body? No, I don't think I will be able to seeing how I am dead.