It isn’t about accumulating wealth.
It is about acquiring self sufficiency.
I suppose you are right about it not being too late.
If you have a couple of million to spend now, you can probably duplicate, before the collapse comes, what it took me 20 years to build with my own hands.
And of course nothing is failsafe.
And that was my point in the first place. We shouldn't be knocking this poor schlub because he didn't know his pension could be reduced. I do agree that if his "I can't live on what I get now" statement is not just rhetoric, that is on him.
As far as accumulating the wealth that you did, I applaud you and hope you are able to make the most of it. I'm happy with my lower financial position in that it takes care of my wants and needs.