Football fans: It may be years before you’re rid of Tom Brady — and there’s a retirement lesson for us all in that.

Tom Brady — who led the New England Patriots to a stunning Super Bowl win last night — may be 39, a ripe old age for a quarterback, but he says he has no plans to retire before next season. He told Fox’s pregame show last night that there was “no way” he’d retire if he won the game: “This is the time to capitalize. I’ve worked too hard to get to this point.”

He’s right — the prime of your career is often the time to capitalize, even if your career never advances beyond where it is today. Indeed, most of us (though admittedly not Brady himself) need those prime-year earnings — even if they don’t increase — for many more years to come. “If you are at the top of your career, you are also most likely at the top of your earnings potential,” says New York-based career coach Roy Cohen. “Why exit when you stand to earn a lot more for your skill and experience?”

And we need those earnings for more than just our day-to-day life: We also need them to shore up our retirement funds. Americans ages 35 to 44 have a median balance of just about $24,000 in their 401(k)s, for ages 45 to 54 it’s $46,200 and from 55 to 64 it’s about $71,500, according to 2016 data from Vanguard. Experts say that’s far too little: Fidelity Investments recommends that by 40 you have three times your salary saved, which for the median household would be roughly $150,000; by 50 it would be six times your salary, or $300,000. Likely, the only way you’re going to boost that nest egg is by continuing to slog through your daily grind.

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