Wrong, wrong, wrong my friend. Life is what happens while you're making plans. Your tomorrow is never guaranteed, nor your investments, nor your health. It's the great American lie that you should bust your b*lls doing stuff you hate for 30-40 years just so you can maximize earning for the HOPE that you can enjoy 20+ of in in retirement. Doesn't that sound stupid to you? It does to me. I'm sorry - but one of my life goals was to climb a mountain or two. I can't do that at 70. I can do it now at 30. So I do it - and have experienced something great by climbing a few of them already. It's opened doors to my life that I never would have known about.
You are taking a HUGE risk that your health, investments, happiness and stamina will last until you're 65 and then 'magically' start living life. Have you not listened to all the people in serious accidents or those that get cancer/etc? They all wish they had lived more each day and not wasted so many days. Live your life NOW; don't wait and make the ultimate gamble you'll actually be able to live life later when you're old.