To my mind, the most important point in today's Yahoo! column is the distinction between saving, retirement planning, and speculating.
I just don't think it's a good idea to chase double digit returns with the money you need to retire on. There are plenty of safer investments out there.
If I can speak personally for a second, I think of money as a major responsibility. I want to consume and invest my resources in a way that's going to maximize happiness for myself, my family, my community, and the planet. That's a lot of work and I screw it up in big and small ways every day. And making money decisions is only one part of life--you need to leave time for actual work, fun, friends, family, exercise, education, spiritual life, etc.
Or in the words of the Notorious B.I.G: Mo' money, mo' problems.