But then you have to live in podunk town, USA.
Money isn’t everything, and some people (myself included) choose to enjoy their working years just as much as their retirement years by living in what others consider vacation spots. It never made sense to me why people would want to spend another 10+ years of what little is left of their youth (since we all were dumb enough to piss away our 20s studying hard and going to m ed sc hool) slaving away in BFE just to make money and retire early. The fun stuff you can do with all that money will be much more limited when you're older and you retire, and a good portion will probably go to your increasing medical expenses when your joints and organs start to give way.
But again, to each their own. I choose not to own a plane or a yacht, live in a decent house, and have paradise at my doorstep.