[fintstone]

I don't know the answer. If you live big while young and experience everything (sex, drugs, rock & roll) or live frugally and work long hours. One that lives large may struggle later but one that does not may feel they missed out on a lot of fun/good times.

It is pretty nice to be able to do or buy whatever you want in your retirement years...but it seems that there are a lot less fun things that you are able/want to do. Being broke and having to worry about making ends meet in retirement where your options/ability to work are limited would be brutal. Especially if health is an issue or you need special assistance. Eventually mowing the grass and cleaning out the gutters will be something you will need help with if you live to a ripe old age.

I guess the best we can do is try to balance things as best we can.