Being in my mid-30s, this isn't the type of thread that would even be on my radar, but I saw it come up and it's also been something I've been actively thinking about recently. Mostly, I've been trying to rationalize the point of retirement. I feel like living life at 2/10s for 30-40 years just so you can spend your last 15-30 years finally enjoying life seems a bit counter productive. Not to mention, your health is essentially on the decline by the time you reach 40, and by the time most people reach their 60s they're already on a cocktail of medications, lacking the energy to do most things they used to do regularly, and also have a plethora of new health problems to deal with until they finally die.
Then there's the reality of retirement, aka most people finding ways to fill their time 99% of the time, while the other 1% is spent going on those dream vacations, or doing something genuinely fulfilling like spending time with your family. Most retired people I've met typically consider a trip to Costco or falling asleep in front of the nightly news as the highlight of their day. Some even started working again, albeit part time, just to fill their lives with something productive or meaningful.
I'm not trying to criticize or shit on people who are retired or want to retire someday, but I simply do not understand the point of retiring. I get someday maybe being too old to work, but most people cash out well before then. I guess, life seems more worth living doing the things you want to while you're still young, energetic, and relatively healthy, rather than waiting to do them when you're best years are behind you. Maybe I'm thinking about this all entirely wrong, but I guess I'd welcome someone changing my mind about this and point out something I'm missing.