Christians and Retirement Accounts

I made the comment in today's (Sunday, Oct. 10) sermon that, in light of Jesus' teaching on the rich fool in Luke 12, if someone is more than, say, ten or fifteen years from retirement age, and has enough money in savings to live comfortably if he were to stop working today, that person is probably not following Christ to the fullest.

Of course we must be responsible and save and manage money wisely to see that our families are taken care of. What I mean is a large sum of money saved back in order to secure a comfortable lifestyle once one retires from working.

A clarifying question would be, if a person has this large a sum of money sitting in an account (a decade or two before retirement)--what would be the difference between that person and the rich fool in Luke 12?

MM