Fred I am 74 soon to be 75. I admit IF I had kept the $$$ on my brain all my life, I would be retired with more. But I have seen people all my life, all of it, that said they would work and one day retire and do all the things in life they always wanted to do. I had lots of my good friends, and some relatives die before age 60. So I did all, the things I wanted to do when I was young enough to do and enjoy it all.. I did it all.
My youngest daughter is 45. 15 years ago she had to have her large intestine removed and has to use that bag due to Chrone's Disease. She has 4 kids, works full time, looks like a model. Breaks my heart. But, she told me one day... life is about the quality and not the length. She knows her quality could be better, and it could also be worse... so she keeps on thinking positive thoughts. Life goes on.
Unless we retire with great investments/income retirement is hard. All us older guys understand that. Being debt free is a huge advantage to retirement. But all of us car guys have sold off cars we regret selling!!!!