Living with disability like I do means that process has sped up significantly.

If you're lucky enough to find something you're passionate about you may not begrudge the work week. I never have, so i work to live, got into a reasonable paying sector, didn't waste money on oversized property or flash motors, as they're not my bag, but used the cash to go adventuring at weekends, snow boarding in winter, the job takes up more time than I'd like but i'm earning freedom tokens. That mentality helped me at least.

I don’t live for retirement like a lot of American culture has historically taught us to do. I work to live first and that means, as much as I can within my means, taking the time and investment to have experiences while I can. Too many people in my life have died before getting to retire without having done anything with their lives because they were so focused on having enough money to retire with that it’s not a regret I’m willing to risk.

I am taking reasonable steps toward financial security as I age, but it’s a secondary concern to living for now. If I die in a gutter, I’ll do it knowing I’ve lived the best life I could.

First off, I'd try to find as much balance and joy as possible now. Don't wait for retirement. None of us know if we'll even be around at that point.

I also make sure to vote for people who want more work/life balance and more universal public services. Vacation time, family and parental leave, universal healthcare, affordable education, etc. Those are all things that free you mind to think about life and not just the basic necessities and surviving.

I found a job with a career track that I can retire from in 25 years max and I already have 5 years of service. The system you envision doesn't really exist yet.

I've been thinking about this since middle school (when I was thinking about what was waiting for me after school, which I wasn't much a fan of either) and I just distract myself by doing things I enjoy. If it occupies my mind too much, I take a hit of copium and tell myself that maybe I'll get lucky and strike it rich somehow to let me retire early.

Times are tough, but here's what's worked for me so far:

1. Spend less than you make
2. Keep a budget
3. Keep debts to a minimum
4. If you live with your parents, try to save as much as you can
5. Have an end goal

Depending on your circumstances, you might only have to work for 20 years, and if you do what you love, it won't feel like work.

Sir, “Retired” is the opposite of “Start”.

the ideal way would be to build up passive income and/or outwaging your living costs by double or triple, but god knows how hard that is.

Don't follow someone else's path. I took a year off to travel in my 20s, a year off to sail in my 30s, and now that I'm 40 I'm planning another year long adventure in the next 5 years. I wasn't born into wealth, I spent less than I earned, invested the rest, and avoided debt. Don't get a big house in the suburbs with a mortgage, new lease car every 4 years, etc unless that's what your actually want. Set yourself up for success with smart money management so you can do what you want.

Have you tried alcohol? That seems to be the popular approach.

I love my job. I have crippling depression, so I won't live to retirement.

I keep finding myself trying to imagine how to make enough money so my mom doesn't have to do this.

I'm half done. I've kept up my health and I'm trying to improve it even more. When I hit 65 I won't be too old to do much.

But the real question should be what are you waiting until retirement to do and why not do it sooner?

The answer is: do a job you like and do the things you like. I’m due to retire in ten years and won’t be doing so. I won’t work as much but I will work

It’s easier in some countries than others. But the key is not wasting time on things that you feel pressured to do because of societal norms or because you’re too lazy to do anything different.

Die with Zero by Bill Perkins has some interesting takes on this.

Yes there are lots of useless jobs out there, but at least you're putting food on the table.

But also, you have to look at it from another angle.

Picture work as your way of trying to help advance humanity. Jobs, other than the useless ones I mentioned, all should have a reason behind their existence.

Don't think. Just work.

Hate to say it, but I actually enjoy my job. Would I rather be playing video games and vacationing with friends in the mountains? Of course. But I'd also like to eat potato chips and pizza every day, which would get boring. I work in oil and gas, in environmental, and the money is decent and everyone is just trying really hard to do the right thing and meet government regulatory requirements at every step--regardless of mainstream anti-O&G sentiments. I deal with technical challenges, engineering complexity, and social diversity every day and my brain is better off for it than if I were just cozy on my couch instead. I do consider becoming self employed though--not because I hate my job, but because I would appreciate more control over my own life.

Have you heard of the five stages of grief? That's probably the best first way to deal with it. No capitalist/socialist/fascist/technocratic/authoritarian utopia will be able to fix that. I don't believe there is a better system yet than what the western world already has. Maybe one day UBI will exist and everyone will have more freedom to enjoy their passions but even then it you'll still have to work most of your life.

Best you can do is figure out what you want out of your life and take the steps to do it. Like what most people have said, living below your means helps with funding your goals and protecting yourself against accidents. Find ways to do what you want now but know there's always a trade off. It isn't fair but I don't think it ever has been, except for a very privileged class of people.

im at 30+ (if you don't include working while at school but depending on your parents but still basically constantly having to do something you don't really want to) and the real scary thing is I don't see a time where I will be able to afford to retire but at somepoint I just will physically or mentally not be able to and then I have not idea how I will make things work since everything will get more expensive given I am physically and mentally unable to do things like work. socail security will be a bit inadequate and savings will drain until presumably I will be in some medicaid institution with my wife.