im at 30+ (if you don't include working while at school but depending on your parents but still basically constantly having to do something you don't really want to) and the real scary thing is I don't see a time where I will be able to afford to retire but at somepoint I just will physically or mentally not be able to and then I have not idea how I will make things work since everything will get more expensive given I am physically and mentally unable to do things like work. socail security will be a bit inadequate and savings will drain until presumably I will be in some medicaid institution with my wife.
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Enjoy life now and realise that the 65 of tomorrow isn't the 65 of 100 years ago?
People live in good shape for at least 15 years after they retire, just stay in shape in the meantime and you'll be both having fun while you're young and having fun when you retire.