Sure, it’s all about choices. You’ve made your own. Hopefully you’re able to enjoy your retirement. But if those choices don’t work out, hopefully you’re not bitter and blaming others.

You are placing a lot of unwarranted faith in remaining healthy into retirement and your savings being enough for whatever situation we face them.

My dad decided to save up and wait until retirement to do some travel he wanted to do. A couple years later he has a major health issue and is unable to travel like he wanted to.

I don’t begrudge anyone enjoying themselves with the time they have while they are young and healthy.