I am absolutely with you, and i even do believe that work only will be 'real good' if you love what you do (love also means that there are struggles some times ;). I guess the rest is about what you 'think' you need for living. Happiness is for sure nothing that can be bought, and should not be postponed to a certain date (like retirement). Indeed, having nothing left to do (i can't even imagine this state) must be equal to a death sentence. A good quote i heard is: May your all your wishes come true but one, so you always have something to strive for :)