I met my wife while at a club watching a local band when I was 35 years old. At that point in my life I had about $50K in my 401K, but only about $5K in savings

I met my wife while at a club watching a local band when I was 35 years old. At that point in my life I had about $50K in my 401K, but only about $5K in savings. The two of us didn't accrue $500k in savings until I was 55. I'll be working until I am 70, since I started a family late, and I still have the youngest of three kids in college. You are not too old. Yes, life changes, but life is what you make of it. I am still alpine skiing in my mid 60s. I just joined a startup three years ago. And now that all the kids are out of the house, my wife and I can walk to the nearest restaurant for happy hour and day we want. No waiting for the weekends. no needing to hire a baby sitter.