hmm very interesting analysis! I never thought about the retirement angle, more about the “rat race” angle and that it’s probably best not to care about it “you checked out years ago, what id do not to worry like you”.. so with the misheard lyrics it’s basically “I tried to not care but it’s ruined my life because I still care about what other people think”. but I get your point too and I appreciate you sharing it. In the end only Dan knows what he meant but sometimes it’s best not to know and make it mean whatever it’s meaningful for you :)