David Frum: I want to lead this conversation down two different paths. One path will assume that a person wants to retire at a traditional age, which he would define as 62 or older. The second path is for people who want to retire after only spending a total of maybe 10, 15, 20 years in the workforce. He says if you envision yourself as having an immense amount of human capital and no financial capital yet, then it's easy to see what retirement savings are all about.

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