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Exactly what I've been saying.

I actually enjoy working. I don't see myself not working when I retire. It will probably be more casual work at my own pace, but I'd still like to be useful.

Many of the "retire early" people I've interacted with on /r/personalfinance are doing it because they hate their jobs and want to spend their life travelling or otherwise not working. To do that, they spend as little as possible (and save as much as possible).

Many people are okay with that. I'm not. I tried simulating that again for the first few years out of college to pay down some student loan debt. I stopped the minute I was able to refinance all of my existing debt into one with lower interest.

I think I dislike living frugally so much because I grew up poor and being poor sucked.



I understand what you mean. For me "retirement" would be about having enough FU money to provide a basic income, so that I could choose to work on things I find fulfilling.

Then again if you already find your work fulfilling and expect to continue to do so, I understand that there wouldn't be the same urgency to retire (with the caveat that everyone should save something for retirement as well as having an emergency fund).




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