of real-life Kgirl relationships working out. The most famous example is Sexy Lohan, who married a former customer. There have been several less-well-known girls who have converted ex-customers into husbands as well, and these examples are often used by "recruiters" to lure Kgirls to work in another country. But from a practical standpoint, 90 days is not enough time to make this a viable option for the long term, and if you're non-Korean, as most of the guys who marry retired Kgirls are, its virtually impossible to get from customer to spouse in less than a year after first meeting and expect it to last. There are many cultural hurdles to overcome for both parties in a mixed-ethnicity marriage.
You are insightful to understand that "retirement planning" is the primary motivator for Kgirls to seek outside real-life relationships. Many of the girls who worked salons in Seoul have already been pushed out of the business once due to age, so after working in a foreign country for a few years and reaching their mid-30's, many girls take an introspective look at themselves and ask what they will be doing in five or ten years, and getting out of the business with a partner that can support them is the most attractive plan for most. The least attractive is finding themselves at 60+ working an AMP giving blowjobs for $40. I'm confident that every older Kgirl stuck in an AMP thought in her 30's that she would never be doing this. So there is a conscious effort by many Kgirls between 35-40 to START looking for a nice man who is financially secure that they can spend the rest of their lives with.
Most prefer men older than themselves by at least 10 years, but many will be open to a younger guy. Although going younger is often a shorter term plan in order to get a green card, and they are not planning on staying with him beyond 3-4 years, BUT you can have a hell of a good time with a Kgirl in 3-4 years. The biggest hurdle for younger guys is to make enough income so that the girl doesn't have to continue to be a provider after marriage. Many young guys will SAY they are okay with their wife continuing to work, but when it comes to the long hours and seeing so many customers a day, the green-eyed monster will soon show itself and the marriage blows up in six months or less, so both parties have wasted their time and the girl must start over with another guy. So if you're younger, you have to ask yourself if you are in a financial position to take her out of the workplace and keep her happy with a lifestyle similar to what she is used to when working?
If you're 50-60 years old, single, and make a few hundred thousand a year, or more, then you are the holy grail for a Kgirl (I just turned 60 myself) thinking about retirement. You should have no trouble scoring outside dates. Just be aware that you still need to be vigilant about their motives. If you are "in love" and they see you as someone who can be easily scammed, they will hit you up for 5 or 6 figures, then marry someone else who is thinner and/or better-looking. Sorry to be so blunt, but just keeping it real.
If you're married, a Kgirl has no motivation to date you on the outside except as a "thank you" for being a regular customer. If you are expecting her to find "love" with you anyway, then you are complicit in the eventual money-hustle she pulls on you. A surprising number of married guys have a hard time distinguishing between reality and fantasy when it comes to Kgirls, and end up being taken to the cleaners. Go figure.