I'm highly skeptical about how much of this will be relevant for us (20 somethings) - when we retire. So much has changed significantly since this guy was 35. Most public pension systems such as the ones here in Europe likely wont even have enough money in them to pay our pensions..

Also - the extreme risk averse attitude is quite a turn off. I'm not saying everyone should invest in Dogecoin and Tesla - but taking some high reward risks can't be the worst idea..