I save most of my income, and try to have a clear plan to spread spending evenly over my future, rather than just blowing money today (I'm 31). At the same ti

I save most of my income, and try to have a clear plan to spread spending evenly over my future, rather than just blowing money today (I'm 31). At the same time, given the drastically worse quality of life from age 65+ relative to ages 30-60, I'm not particularly interested in plans that enable/force me to save a lot of money for that stage. This isn't a simple case of hyberbolic discounting (overvaluing the present relative to the future)--I value those age 35-60 years quite highly and have been willing to sacrifice some immediate benefits to optimize them. I just think it's important to be realistic about the fact that certain periods of life are superior to others, and I'd rather stack my enjoyment in those periods.