A comment I can agree with (from this HN thread)
So many threads discussing with an engineering mind if 40 is half your life, a third, blah blah blah.
Truth is you don’t have tomorrow for granted. We could die today, tomorrow or in 90 years. Planning ahead so strictly is like wrapping a blanket around your head for safety in a firefight.
Don’t overplan, don’t quantify everything in life, relax, enjoy, smile and roll with the punches as much as you can. We only get one life.