My guess is that the original poster's point is: Take two workers whose goal is a comfortable retirement. One of them knows their career will be 20 years long, the other one knows their career will be 50 years long. The one with the longer career can take a less risky path and "milk it" for half a century, whereas the one with only a few chances needs to take a risk and go for the higher payout since he has 30 fewer years to save.

I look at it this way. Everyone's career is a baseball game. Most workers get 5 or 6 at-bats throughout their lives, and can afford to just go for base hits. A tech worker gets 1 or 2 at-bats so he has to swing for the home run if he wants to score.