Indeed, you also want to enjoy your life when you a virile. What's the point of working until your retirement when you are at a point you hardly can take advant

Indeed, you also want to enjoy your life when you a virile. What's the point of working until your retirement when you are at a point you hardly can take advantage of it. Start a business. You probably won't hit the unicorn lottery but making enough to retire in your early X shouldn't be out of reach. Find a solution to a problem and learn some sales and marketing.