This idea sounds crazy, but it's worth pondering. Someone recently put forward a view: stop saving for retirement because this thing will soon become irrelevant.

The core logic isn't complicated. Imagine if AI and robots truly boost productivity dramatically? The costs of goods and services would plummet. This isn't some tax redistribution trick, but a complete de-monetization—things become so cheap that the very meaning of money changes.

Mathematically, it's clear: Price = Goods Output ÷ Money Supply. When output grows far faster than the money supply, you enter deflation. What will happen? The best healthcare might be nearly free, education too, and anything you want could become ridiculously cheap.

Their argument is that this could become a reality within 5 years. Healthcare, education, daily necessities—all lose their scarcity premiums. In that case, how much is in your retirement account really matter?

Of course, this is a bold hypothesis. But in today's world of rapid AI and automation development, this idea isn't so far-fetched. The question is, are we prepared for such a future?