actually come to think of it, when I was single, I did not need to worry about money, for then and retirement.
after I had my first child, then the more I think about retirement, the more I worry about it, since the income remains the same for me but I use it to support three persons instead of only myself... I am at retirement age when my child has sufficient income say at 25yo to cover herself. So my conclusion is the same as above, work till I cannot work. Even if my income at the time is 1/3 of what I earn today, at least I delay using my savings .