"[R]esearch on what actually motivates us reveals that 'money' is a remarkably inferior motivator (both to incentivize and reward desired behavior, and to punish bad behavior) compared to the motivation we derive from interpersonal relationships with other people.... [This] implies the whole concept of 'retirement' may be predicated on a mistaken understanding of our own motivators... a realization that most people don't have until they actually retire (or at least, are on the cusp of it), and suddenly discover that 'not working' isn't nearly as enjoyable as expected, despite all the sacrifices of potentially undesirable work that was done to earn the money to retire along the way."

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