Propriety Pt 2

So what do we think of the following situation:

1) One of your closest friends asks you for advice about investing in a 401(k) given that you have a strong financial background.
2) You respond, think about it, you won't live past 60, so there's no tax benefit so no. (you're totally serious and both parties are aware of this)

Assuming this is basically factually correct on all accounts, are you supposed to tell people that they've got about 20 years less to live than the average bloke? Or should you do it more subtly? It's rather complex and depends on the situation.