You know I like the younger version of Robert Kiyosaki, author of Rich Dad, but not so much the 70 year old version. There were a lot of good gold nuggets and wisdom in his earlier books. In his book Retire Young, Retire Rich, he wrote, "The best thing about retiring early and taking a year off in midlife was that it gave him a change to start life over again," He retired at age 47 to focus on his life work at the age of 50.
I sort of see our lifes in three stages. 1) High School is our learning years where we make a lot of mistakes trying to figure out what works and doesn't 2) College is the Earning years, what we do for living for providing for our family. Unfortunately, most people never goto grad school. I look at Grad school as a Creative Endeavor (Self-Actualization) whether you are an author, designer, or muscian. You are becoming everything you were born to become.
You are not doing Grad School for the money, but for a mission, purpose, and passion. It is not about you, but the people you are called to serve. A Creative sustainable Business. There is no such thing as retirement for these type of people.