I think it is good to note that I don't actually plan on ever retiring and my goal is to die working.
This is what I was getting at with the end of my previous comment (I don't want to fully retire). I like using the term semi-retirement. I define it as not needing to save money and knowing if your working income drops to 0 you will still be able to look after your family. Don't worry, I want enough to have extras too, but I prefer semi-retirement because I don't think I would want to do nothing until I'm bedridden.
Yep I understood.
The other part of it is like that saying,
You don't stop running because you get old, you get old because you stop running.
I think too many people retire and stop running, when there are so many more trails to choose from.