Every metric shows clearly that starting to invest particularly in retirement early will enable accumulation of much more wealth earlier in life. I didn’t start seriously until 40 and hence worked until 73. I’m damned lucky to have stayed healthy but that said I’ve enjoyed world travel, many of the finer things in life, and a fulfilling career. I climbed high mountains frequently throughout my life. I still can do plenty but the pandemic limits travel. Nevertheless our lifestyle is the same as when I was working full time thanks to maintaining strong discipline in putting tens of thousands away year after year.