I remember it distinctly. I was 6 years old and waiting for the school bus and said to myself, "Self, only them old kids have to wait on the school bus." The carefree days of fishing, camping and swimming were being replaced and I did not like it one bit!...Still don't!
I tried the corporate life, although at a much later age than 6, and finally settled for less money and more time with my family. I'll probably work untill the day I die. So what?
Thought it over long ago, work hard to be rich or work less and be happy. To answer the question, I started to worry when I was 28 about my future. I quit worrying at 48. Ten years of worry is too much imho.
I owe nothing, in a monetary sense of course, but utility bills and taxes. Investments? Sure, but I doubt they will support me at 65 and Social Security will be history as we now know it. I've rarely taken vacations and always look forward to going back to work after the ones I do take.
My dad is 74 and works full time. If it's good enough for him.....😎