Was it clear to anyone why the Billfold author consistently wrote "retire"? (with the quotes, emphasis mine)
Presumably it's because the author thinks they aren't retired, which is fine, I like an internet retirement police / semantics argument as much as anyone, but they never get around to explaining why they need the quotes. At least explain your objections people..
Maybe I'm thinking about this too much
I did not notice that. Though you're probably right on the IRP being the cause. Perhaps the author thought it obvious...