This is an incredibly faulty premise. Basically, "if you can see the future 100% and in that future you'll earn a lot more later than now, don't bother to save now." And if I win the Powerball at age 45 then saving 10k each year since age 23 was pointless. Thanks, Dr. Obvious.

Please tell the rate of return on "anticipated significant earnings growth."

Correct me if I'm wrong, but if something happens and you don't get that "significant earnings growth" later on, you cannot go back in time and invest earlier. Or did I miss something later in the article?