Don’t forget the unbounded liability of AGI: your job disappears before you can accumulate the capital you need. On the bright side, you’re retired. Really simplifies the spreadsheet.

Don't forget the unbounded liability of apocalypse: society implodes and your money is worthless. On the bright side, you might have invested in Nuka Cola.

but the upsides of AGI could counter the unbounded liability - you will need to actively utilize the AGI to help you retire.