[tjpick]

> When you're pissing your diapers in an old people's home, what good is your retirement money?

As I've understood, the point is to blow all your retirement money between the age of 65(standard retirement age), and as you so eloquently put it, the age when you are pissing yourself in an old folks home. With a little luck, you've got about 30 years there.

[bradleyjg]

More than a little luck. It'd take quite a bit of luck just to live that long, much less be healthy till 95.