There was a guy in my high school that could play most any instrument without even having to work at it. He'd just pick it up, noodle around with it, and then just play it like he'd had lessons for years. Hated him for that at the time. He went off to New York after high school, played in all sorts of bands, lived on the road and now lives in a trailer out back of Mama's house again. No retirement, no assets to speak of - but he can still play like a monster.