What if you don't plan to retire? If you're making money doing something you love (in my case, web development), why would you ever need to retire? To rest? To do all the things you've always meant to do but didn't make time for when you were younger? To see the world?

I'd rather do that stuff while I'm young; learn a new language in my spare time now, start that band now, travel to foreign countries now - hell, I can do my work there if I need to. I think retiring makes sense for people slogging it out 40 hours a week at jobs they hate, but it doesn't make sense for those of us who actually find our work fulfilling.