Greg Norman, the golfer and ultra successful businessman gave some advise 30+ years ago which stuck with me.
"When your 20, figure out where you want to be at 40 and work backwards to make it happen. At 40, figure out where you want to be at 60 and make it happen. At 60, figure out where you want to be at 80 and make it happen".
If your 20, and at 40 you want to married, have house and kids, coach Little League in the Spring and hunt in the Fall. Make it happen. Then, if you want to retire at 60, work your plan and make it happen. If you want to travel between 60 and 80, do it.
Work hard when you're young, save for later, but smell a few roses along the way. More importantly, know when it is "later"!
