That may be the case, but I thought he drove home the point about the need to know what kind of lifestyle you want to lead before talking about retirement. Many posters here ridiculously asked for advice on retirement without specifying the lifestyle they expect to lead in retirement.

For many, the reality is that they may have to work till a ripe old age. To modify your phrase "if money is not enough, what's there to talk about retirement?"

At least the poster knows the lifestyle he wants in retirement, and he knows how much he needs to sustain that lifestyle. And he is taking steps to achieve that goal. On the other hand, you see posters still living the high life and saving very little and still dreaming about living the same way in their retirement.