Some people do not seem to understand that it is not so much that it makes the financial situation better. It is that doctors will now feel that working more does not make it better either. My husband says that if he is not going to be able to retire at 65 anyway, he may as well cut his workload in half, pay less tax, and work until he is 75. Of course, that will create problems with manpower at the hospital where he works roughly 65 hours per week, but so be it.