Couldn't agree more. When I left the corporate world in 1989 at age 38, my wife and I had a total of $12K in our RRSPs (you'll recall they were just starting to open up registered account contributions to the princely sum of $3.5K minus your employer's contrib).  So, this article would have been useless at the time. The reality is, most people don't make enough money to save until they reach their 40s,  let alone learn how to invest properly (Hint: sack your investment advisor; they are little more than rapacious weasels). Then there's those gnarly things called mortgages. Sure, save 20 times your family income AND pay off a mortgage. Quelle planet du vien-tu? 
So I had to learn on the fly and sock money away like a squirrel. Enjoyed self-employment until I retired in my 50s. Now enjoying life more. Globe articles like this are so out of touch with reality, they should charge the 'experts' for the advertising. It's blatant self-promotion containing a mere scintilla of reality.