I think (or maybe just hope) that I can avoid that trap by reframing how I think about retirement. Instead of thinking of retirement as not working on anything, I'll be thinking of it as working on the things I want to work on. Instead of seeing progress on the company I'm building every day, I'll be looking for progress in my mountain biking, or guitar playing, or whatever hobby I'm interested in at the moment. I'll still be working, I'll still be building things, they'll just be my things and not done for money.
Plus, one looses so much(health and relations) in the process of making lots of money quickly that their option of coming back is no longer available.
Lots of money also heightens one's expectations and comfort requirements so much that they hardly save much and, even if they do, its not enough for them to maintain lifestyle for long without new income.
Perfect plan is minimizing work while maximizing income over a long career. Those that figure out how to do that will never share their secrets.