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Yeah, I have a hard time buying that taxation "cause" too. Maybe it's because I remember when the top rate was more than double what it is today, and somehow people found the motivation to press on.

I think the motivation for cutting back is usually "I have enough." Each of us has a unique definition of enough, and it includes a lot of things besides assets.

I think some people love to work so taxes are not a motivation to stop. Others would rather not work so taxes is not actual cause for them to retire.

My FIL is still going to work even though he isn't being paid to do it. It's a head scratcher to me because I wouldn't work for free.

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