Decide where you want to be after you retire. If you want to lie on a beach all day or travel the world, it's probably easier to get a job that lets you do that

Decide where you want to be after you retire. If you want to lie on a beach all day or travel the world, it's probably easier to get a job that lets you do that instead of waiting for later. In many cases you can achieve your goals with an order of magnitude less savings, and often optimizing for higher income may be counterproductive.