You can all safely retire when you've socked away enough money
for the Even Bigger Depression that's coming our way, when there's 3 million bucks in your retirement, college savings and emergency money funds, when your house is paid off and when you know for sure that Social Security will still be here in 20 years.
Which means no more shopping at the mall, restaurants, movies or pedicures. Buy a kiddie pool and splash around in the back yard on your vacations. Make fun of your neighbors with the new cars, fancy kitchens and big mortgages. Some day they'll be living in a covered wagon on an empty lot.
But by then, when you're hobbling around bald with three teeth left in your head, will you wonder why you didn't live it up a little more when you were still young enough to enjoy it?