Well, guess what? Now I'm older and I'm more expensive. Thankfully I saw it coming, and I have been saving diligently along the way. I'm not rich, but my lifestyle costs are not insane and I can continue to save from now until the gravy train pulls into station.
At that point, god willing and the creek don't rise, I can afford to work part-time, or take a big pay cut, or switch to consulting gigs.