### Comment:
risk adjusted is just another word for 'vanguard'. The problem isn't that you can or get have a good retirement in the market, the problem is this is wallstreet bets and we like to see people either lose everything or gain everything. 
  
 For the ones that gain everything not having to work ever again seems pretty nice.

### REPLY:
Yeah I get the idea of why it's appealing. It's like buying lottery tickets with much better odds.

### END.