Riten, he meant to say that he's currently 20...Now doubling that #, he's 40.  And he expects his life to be 1/3rd of his age, which is 20x3 = 60 years (He probably gave the mortality rate for a male living in Nepal instead).  BTW, ShaKEEn bro, don't set up a 401K when you start working aight?  You'd be better off using that money elsewhere as with your theory, you won't be able to access it (hell, you won't even be retired when you're dearly departed) .  LOLs