Taking a fairly big hand grenade, a no. 2 pencil, and my old engineering graph paper - back to the future:
1993 - now - had me and the SO continued to work maxing our 401k's and getting the 25% company match - 1.3 mil in 2006 plus maybe 15k more per year in pensions.
Not doing a lick or a stick(except temp in 95) since 1992 - 1.1 mil in 2005.
Hmmm - by 2006 maybe 14 yrs of work to get 15k/more per year in pension and depending on where the rollover ends up - in the noise level

?
So what's productive?? - 14 yrs of ER doing nothing in particular or nose to the grindstone(had I been able) to 'be able to afford retirement.'
God bless the fickle finger of fate that got me layed off at 49 - otherwise I might be blindly slaving away.
Time is not replaced. And the end date is squishy.
Bon Temps Rolliere!