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I hear ya. I am only 35.
The GF still works back at AT&T, and is coming up on her 20 years. She has a lot of people in her office that are 35, 40 years into the company, and no plans to retire. But, they keep touting themselves as a financial wizard.
I worked in telco for a spell, and there is no way in hell I could have done 20, or 30 years of that. We had got into a discussion about how most of society spends their life chasing a retirement carrot, and then do not get to enjoy it.
You are not promised a healthy life in your retirement years, IF, you make it 'til then. So you spent your life chasing that carrot that you never get to enjoy. Versus... you spend responsibly, but you travel, buy what you want, enjoy life. Get a job you enjoy, and never retire.
But you get to spend 30-40 years of your life enjoying. If you croak out early... 40/50/60. So what?
You lived a full life.
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Enough Said. 
"Would you rather live like a king for a year or like a prince forever?"
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