You never know how much time you have. We all are on a clock. When do you have enough money? My husband retired before he was 55. He has never looked back. If he had worked longer, we'd have more money. For what? To buy stuff? As soon as he retired we gave up one of our cars. Our kids were grown. We had no mortgage. Those years since he retired--at least 25 (I lose count) have flown by. We treasure life and don't miss the money.