There's an ad running right now from Prudential that is clearly designed for Boomers or those about to retire. Here it is:
I get it. This ad is designed for long-time employees of companies like GM or IBM and others where you earn the gold watch and then decide what to do. I call bullshit. None of those jobs they mentioned couldn't have been had sooner. I get it. Its scary. I've worked in three states. I have two pensions and about 5 401Ks. This is how it works. Not for my parents. But for me. I'm not waiting for 65 to do what I want to do. That time is now. Life is way too short to toil at a job for 35 years to get to do what I want to do.
Everyone wants their kids to have better than them. Even if I had kids, that wouldn't be possible. My Dad was a banker and my mom was an interior decorator. I learned to live my life whatever that means, and especially without kids that means being happy, which I am. Allyson and I travel to different countries every year and that matters way to me than saving an extra $35 a month so that maybe when both my hips are fake I can have the life I dream.
Live the life you want now. No one will judge you later. They'll only be jealous.