You're assuming he's leaving that money stagnant for the duration of his career. If he invests it wisely in the stock market (his financial advisor will tell him what to do), then he would comfortably get 7% cumulative annual growth over a 10 year period in low risk investments, which would double his nest egg over this timeframe. You can also assume he would be maximising his ISA allowance each year, so a nice proportion of his retirement income would be tax free. Could easily bag a 40k per year post tax income when he retires just by investing one full year's salary post tax on 20k per week (realistically would be done over the the length of his contract)