Psychologically astute, or painfully obvious?

In the patent business, judges, patent examiners, and attorneys have to make judgment calls on what is "obvious" under 35 USC 103.

In an article titled Stop Saving So Much for Retirement, Eric Schurenberg comments on a strategy proposed by Christine Fahlund which includes:

Stop saving. Instead, spend the money on cruises and other indulgences until you retire. Do this, her calculations showed, and you'll end up with 70 percent more income in retirement than someone who saves like crazy for the rest of his or her career.

Of course, part of the reason for the "stop saving" advice is that the rest of the advice is to work till you are age 70.

Eric says of Christine's strategy: Fahlund's strategy is psychologically astute

Can something be at once astute and obvious?