 They're just his opinions, and his opinions are based on fear. And the fear is based on not knowing how to retire correctly, that all these bad things would happen to you. But it's because they don't know how to go and replace their income with earned income, with passive income. And so they're living off a pile of money. So number one reason why it's dangerous is, oops, you changed your mind. Imagine retiring at 37 after 15 years of work.