> sitting in the back seat, with nothing to do but continually recalculating if / how long your nest egg will last
this problem doesn't exist if you correctly math out your existence to guarantee survival. having the ability to choose how to spend your time is the definition of agency.
You missed my point. Said another way, "mathing out correctly your existence to guarantee survival" generates a type stress no one warns you about. Consider yourself now warned. Twice.
