“BWAHAHAHAHAHAHA!!!!!!!!!!!!!!”
Laugh at the article. They make the claim that a lifetime cost to an individual will be $120k in lost pension payments.
I picked a 5% figure (but I don’t think it’s that high, but I don’t know for sure what it is)
That means the lifetime payout must be $2.4M for the math to work out. That seems a bit excessive, and apparently you agree.
“I picked a 5% figure”
IOW, you pulled it out of your butt.