Suppose Tom, Dick and Harry commence their working lives able to labor for however many hours they wish. Each is paid the same hourly rate and can contribute to a retirement fund that pays an amazing ten thousand percent. They know that at the end of five years they must live off their retirement fund and can earn nothing more for the rest of their lives. Tom has a blissfully lazy five years, working just the few hours required to keep him in bare necessities for that period. Dick, however, works long hours and spends all his earnings on luxury. Harry has a still different approach. He works even longer hours than Dick and lives on even less money than Tom. Every spare cent he can scrape together goes into his retirement fund. For five years, it seems as if Harry, slaving such long hours and living an impoverished lifestyle is to be pitied. Nevertheless, when they retire, he can bask in luxury for all the years ahead of him. The others, who had seemed to have had enviable lifestyles, face a bleak life of hardship and starvation.

Taken from Is God Unfair?

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