What's missing here is a simple fact: your life is different in every period. No matter if you can retire when you're 35: you won't be able to relive your 20s.

What's missing here is a simple fact: your life is different in every period. No matter if you can retire when you're 35: you won't be able to relive your 20s. I am not saying that all in all you won't be better off, but would keep this in mind.