So what? There was a transient found dead in a downtown LA flophouse theater with over 100k sewn into his clothing. He was always seen smoking cigarette butts off the street and standing in line for meals at the midnight mission. He too was tight as a drum.
So what does that have to do with the government sector economically gang raping the private sector for decades?
I'm saying it doesn't HAVE to be that way to make a decent living after retirement. If a janitor can amass 8 million, anyone can.