Great question. I'm almost 54, but I would do it in a heartbeat if I were able. I think anyone under 45 who doesn't, isn't thinking clearly and those over 45 would also still probably be better off if they had their own money to invest from this point forward.
I like using these types of questions to find out if someone is a true conservative or a convenient conservative. Of course, I'm still waiting for an answer from the person I posed it to.....I'll give them some time given that life does exist outside of FR.