You should think about retirement, but maybe that will never come. You can hit by a bus any day. You could be sick from the stress and won't able to enjoy the money you saved. You have to live a little right now.

You shouldn't have gap in your resume. I took more than one year off to travel around New Zealand. I put this in my resume and I think it made it more interesting. After that I migrated from Hungary to the UK during COVID and didn't had any problem finding a job.