You're only fooling yourself: there is no such thing as "retirement". Downsizing, outsourcing, and reorgs will likely see you ageismed out and trying to get a job when older. There is no security except what you make for yourself on the side. This might mean a startup project, real-estate, and/or other passive income sources. It might mean something as simple and trivial as a coin-op laundromat (unattended laundry business). Ebooks. Rental properties. Whatever makes enough money.

If you don't, you're putting yourself and your family at risk of being under-resourced, e.g., homeless.

Complacency is the mother of all assumptions / failures of imagination / laziness.