&gt; <i>I also find being rich around 60 years pointless, since you&#x27;ve wasted too much of your life working for &quot;the man&quot; at that point.</i><p>Most people in the US will die having never been rich by <i>any</i> measure and having never done any better than living paycheck to paycheck, at best. 25+ years of wealth at the end of your life puts you solidly near the top of the pile.<p>And financial independence anywhere in the world is a whole different ballgame than living &quot;rich&quot; in a developed country (particularly the US).