Agree that it’s best to do the things you want to do in life while you’re young, if at all possible. We have over the years, and are glad we did. Life is short, and you never know what might happen in later years.
Now that we’re in our 50’s, even though we’re still actively involved in our professions, for us, the main value of financial security as we get older, is the ability to do what we want to do, or nothing at all, and knowing we should be good for the balance of our lives without running out of funds. That, along with being able to pass it onto the kids.
Imo, this is another discussion for which their is no right or wrong answer. Lifestyle decisions before or after retirement are all based on individual choices, but the one decision we all have in common is figuring out how to financially care for ourselves and our families from the beginning to the end of our lives.