I think we are working with a different definition of set for life my friends. I'd say someone is set for life if they don't have to work another day in their life and can still live quite comfortably if they are smart with their money. I'm guessing you all take it to mean that no matter how dumb someone is with their money they will still have more of it, in which case I"m curious is it possible for anyone to be "set for life"?