I’ve already accepted I’m going to be working until I die, at least part time. I have a masters degree and make ok money, but with my current financial projections, I definitely will need something to supplement my retirement and social security. I can’t count on a large inheritance or anything, since both sets of parents were shit with money, so unless I get some unexpected windfall, I won’t have that “traditional” retirement where you have a few decades of free time and an excess of “fun” money to spend on things like vacations, second homes/condos, nice cars, RVs/boats or whatever other classic retirement dreams people have.