Comment by stetrain

There are options other than working to the exclusion of other fulfillment right up until a specific age cutoff and then having zero work.

Honestly saving all of that until retirement is not a great idea when you look at how many people die in their 60s and 70s and that if you have children and raise a family that's going to happen well before retirement as well.

You can also find routine, mental challenges, and socialization across the generations without "working" in the traditional sense of a full time job for an employer or your own business.

There are lots of ways to balance these things out, and to find that balance along the way instead of hoping you'll find it in some theoretical future retirement.