I said it because I know people who got their savings and ran away into retirement. Then when the crisis struck, they spent their savings, but they could not earn it back because crises can cripple you, and forced retirement also pulls you away from earning opportunities. Starting over isn't always an option after you retire.

So, as you can see, my warning is mostly about retiring, don't count on re-entering the financial world once you leave it, make enough to leave and not have to come back even when you get hit hard.