These are first world problems. Personally, I work for a few years before taking a a couple years off. I’ve did the math, and I need like 20-30 hours to maintain my standard of living. As long as I buy a house and save a few decades of taxes, I don’t need much for a reasonable retirement. I’ll probably buy a house big enough to turn part of it into an apartment.

I see myself as Benjamin Button. I might as well take my retirement when I’m young. I’ll probably get killed in a car accident or something.