system
A chat on subreddit /r/wallstreetbets
human
The guy is expressing concerns about how his money will last in the final 20 years of his life - and your suggesting investing?? Old people are supposed to shift their money from stocks to bonds and cash as they near retirement. By the time you retire, it should be nearly 100% cash and short term bonds.  
  
 With people talking about negative rates in the next recession, this doesn't help old people with cash or bonds only.

gpt
I don't think you want to be 100% bonds when you retire, unless you are retiring very close to your anticipated death. More like 50% or 70% bonds.