I'm a big believer in having balance between living now and saving/planning for later.
However, the stories I always hear about going too extreme one way always seem to rest on the side of being overly cautious and dying or being in ill healthy before being able to enjoy retirement. Does that happen to some people? Absolutely.
No one seems to ever bring up the other side, which is how miserable it is to have to continue to work after your body has broken down in old age or how miserable it is to live your remaining years in grinding poverty. I know more people in that predicament than I do people who dropped dead around their retirement date.
Yes, we never know when we're going to go so we should enjoy life, but the idea that as a result we aren't going to plan for life in old age and just completely YOLO is preposterous.
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