I guess it's about understanding that life is not a permanent state of being, it's not eternal. I also think it's sad that people don't plan ahead for retirement and financial independence.
I had never really stopped to think about it before I was fifty years old, in fact in this country very few people CAN think like that, they colonized our minds to make it so.
But I am waking up and I have to do something, something meaningful of course.
Our problem lies in the freedom to do so, which is nobody's fault but my own society.
Of course I agree with your concepts, and those of your friend, and I agree that they are prepared people who have known how to organize their work circumstances in such a way that they have added important values to live a future full of peace and personal achievements.
Every day in Hive we learn very important life lessons, no matter if we are from different worlds, they are very natural and normal thoughts of a human being who wants to live the last years of his life as he feels it should be.