Nah, wifey and me don't save for "later". We retired like 30yrs ago after having tried some jobs. It was just not our thing. Will we drown in money in "official" retirement (if we even reach the age of 67) Probably not, but we already lived that life so far and it seemed like a better deal than saving a lot just to maybe enjoy it somewhere in the distant future. Also we were fit enough to actually enjoy all the time. Traveling, hobbies, chilling...

My dad worked his ass off, spent most of it while doing so, ended up with nothing and didn't know what to do with all the sparetime after being retired. Died a year of boredom later. I never wanted to end that sad and pathetic.