I plan on living to 100 also. But the odds are against me. Folks in my family die of cancer – brother died at age 48, mom at age 67, and dad at 77. So… at age 53 – I’m retired and living my life now, not stuck in a cube waiting for retirement “someday”.
I remember hitting the point where relatives and friends parents started passing. I’m now at the point where I don’t assume my peers parents are still alive.
Plan for, work towards, living a long healthy life. But I’d rather die younger than live a less healthy life, or deal with dementia in my advanced years.