I have a different take on retirement.

Plan and just save enough so that you don't go hungry and miserable during your retirement. Most people saus retirement is for enjoying life but seriously, when you are 60 or even 50, you probably would not have the energy to enjoy what you want to enjoy now.

Spend within your needs and enjoy what you can afford now I say. There is no point slogging through the most of your life so just that you enjoy the twilight years of your life. This is definitely not living your life to the fullest!

Remember, most people don't regret the things they have done, but everyone regrets the things they have not done!