I'll probably retire when I'm old as hell. I've been using my good years on traveling. Not sure when my health will decline and the long hikes, late nights, bar hopping, bungee jumping, scuba diving abilities will fail. I see my parents who are nearing retirement age and have the means to do all the traveling, but a recent illness with my mom has jeopardized it all. They can travel to far off countries, but it'll be see a museum one day then a historical site the next. Spend a day sitting at the beach. I'll use my good years on travel and give my employer my shitty late years. Just hope I have the good memories while I'm sitting at my desk at 65.