Capitalists just boldly admitting how much you need to generate just to keep this rat carton on the wheels. Retirement isn't just like having money after you retire. It's a value of how much you can spend after you stop producing. They need this much excess just to keep the wretched machine afloat. This is how much you need to insure yourself against the conclusion that you are worthless to them if you cannot consume at the same rate you did after you stop producing.