It's OK, my retirement plan is taken care of. I'm going to rob banks. If I get away with it, I'm set for life. If I don't, I'll either be dead or in jail. So, YAY!
I've got 19 years to retirement. Assuming my job remains steady (it most likely will), the economy doesn't implode, the stock market doesn't crash, my health doesn't plummet (no reason to believe that will happen yet), and the world more-or-less continues to exist until then, I should be able to retire with enough money where I could survive without Social Security at least, and possibly Medicare. Worst case scenario, I WILL retire to some other country with a cheaper cost of living and/or programs that help out the elderly.
I occasionally look at websites for information on retirement planning, and one I saw yesterday said to plan on your retirement money lasting 40 years. WTF, seriously? Are that many wealthy people retiring in their 40s and 50s? Fuck, I plan on retiring at 62 and dying at 82, maybe as long as 87. More and more people I know are working until their late 60s or into their 70s. I don't want to be old and decrepit and living in a nursing home, and I can't see it becoming commonplace to live to 100 with a vibrant, normal existence. At least not any time soon. It's one reason I don't have too much of a problem with the ready availability of firearms in the U.S.... before I get to the point where I can't take care of myself, a handgun and a bullet is a lot cheaper and faster option than a slow death in a nursing home. And I'm not going to have any heirs, so there's no reason for me to not spend every penny I earn before I die.