This is true. On the other hand, I've found myself lately starting to wane a little bit the other way. Let me explain. I'm doing ok, because I got involvednin the FIRE movement early and invested early. Now about to be 40, and having a couple kids, I've realized that so long as I have no debt and good security (enough to see my kids into adulthood) then what is the money for??? To be clear, I haven't started spending my retirement money yet, but I already know I'm never going to quit working. So.... I don't know, you know?

I wonder if you'll view things differently again once you start deteriorating mentally and physically. Fact is that the median person does not live well into their 80s and many of those that do will be severely limited in what they can do during those final years.