How are they alike?
Outside of some facial hair, they both grew up very different, and followed very different paths to the NFL. AC was from a working class Italian family in IL, and went to a military academy. He was only a 2 star prospect going into college. Luck was born into a family with a ton of money, lived abroad, and was a 5 star or high 4 star recruit going into college depending what service you look at.
Not saying they don't have similarities, or haven't bonded, but there's a lot that is very different.
He's smart enough to make money doing other things besides play football.
Its not like he's got a huge posse to fund for the rest of his life because he can't do anything for himself.
I'm assuming the decision to retire or not is not based on money, he knows he's going to be rich if he stays and has already factored that in before making this announcement to decide.
But money can certainly influence it.
I think playing under the franchise tag for one year makes sense for both sides.