"I am not willing to suffer for 20 years to then enjoy the remaining 30-40 whatever there will be." I know people who suffered for many years, retired and then

"I am not willing to suffer for 20 years to then enjoy the remaining 30-40 whatever there will be." I know people who suffered for many years, retired and then died within a couple of years. Don't be so sure you will live 30-40 years after retirement. You can never tell.