Please tell me this is hyperbole...

I'm your age and don't have anywhere NEAR "most" of my retirement money saved up...hell even $100k today at an annual return of 5% only leaves you with $721k after 40 years of growth. Not growth to sneeze at for sure, and TVM does reward people who get a nest egg started early...but you and I are going to need MILLIONS in order to retire in 40 years.