The article was an interesting read, and well written. I concur with the article conclusions.

For the most part, our current culture has had a hard time distinguishing "wants" from "needs." Also, there is a disturbing, prevailing entitlement attitude that the government owes us the means for a nice retirement.

Recent, well thought out essays around the 4% rule indicate more reasonable levels should be in the range of 3.3% to a bit higher than 6% depending on particular family situations. Our family has intentionally invested in more aggressive allocations in our portfolio(for our age group), with the hope that these funds will ultimately grow and be used for those in our family who will inherit the funds, and for charity. We have no intention of using the vast majority of our retirement savings for living expenses.

Rather, we are doing well with my pension from a large Fortune 50 firm, and both of our Social Security earnings. Though trained in a professional medical school at a state university, I was not in an especially high paying position at any time during my working years.

If curious, I would recommend the reader consider exploring the websites Crown.org, FaithFi.com, and KingdomAdvisors.com for more detailed information.