That pessimism tends to become a self-fulfilling prophecy. It causes you to not put anything aside, putting you into the position where you really won’t have much to access.
Depending on how long you have until you retire the things you give up now will be returned many times over - and 60 creeps up on you quicker than you expected. Definitely don’t give up everything that makes you happy now, but look for a balance. If there a few things that are not that important to you now that you can skip the benefits in future will be worthwhile.
That pessimism tends to become a self-fulfilling prophecy. It causes you to not put anything aside, putting you into the position where you really won’t have much to access.
Depending on how long you have until you retire the things you give up now will be returned many times over - and 60 creeps up on you quicker than you expected. Definitely don’t give up everything that makes you happy now, but look for a balance. If there a few things that are not that important to you now that you can skip the benefits in future will be worthwhile.