Yes, that's what the previous comment said. Of course, you don't need anywhere close to $100k, so you would still be reinvesting the bulk of it, just as you did throughout your career. That will see your returns continue to increase as you grow older.

> you won't own your own house, or at least, you definitely won't be anywhere near paying it off.

You'd have no trouble buying a home on a $30k income 20 years ago. They could barely give houses away back then.

> You have significant risk from healthcare costs

You still have $70k to play with each year. If you have to miss a year of reinvestment it won't hamstring you that much. As before, bad luck happens. It is possible you are the unlucky one. But generally speaking the money is there.