Sorry, my all time advise: keep expenses down! Your time and health are so important! Car, house, minimise!
Pension companies ( well, i dont know you country) try to convince us that we need yearly luxury cruises when we get 90 I dont, I will need memories of a good life, I will rather die old, poor and happy, than old, rich and bitter, I already lost my joy in life, no travel dreams nothing. I had those! I am only 51 and hope to regain it, but….