Our household has both. I’m the doctor, she is the teacher. She has the retirement. I have nothing after blowing my retirement fund trying to go back to private practice. She can retire in 5 years, I have to work until I die (which might be sooner than 5 years given I put in 80 hours a week). So the retierment next egg argument doesn’t hold up unless you are working for the VA or Kaiser.
For current doctors, the saying should be: If I had a million dollars, I’d just keep working until it was gone…