In 35 years you had better be prepared to have double the amount of income you think you needed today - just to tread water
Inflation is the increase in the overall price level of the economy. While you are still working, your income is a price to your employer. So when inflation runs at 2%, then the price of labor goes up by 2% each year as well.
People misunderstand this because they usually mistake a supply shock for inflation. When the cost of, say, oil, goes up, but the cost of labor doesn't, it is not inflation that causes misery. It is whatever shock is causing the increase in oil prices that causes the misery. So for example, in the 1970's, oil prices increased faster than incomes because of the oil embargoes. Even if inflation ran at 0% during that period, people would have been stressed because the difference in the rate of increase in oil prices would have outstripped the rate of increase in incomes. In fact, at lower inflation rates, it would have been even worse, because a small or no increase in the rate of increase in oil prices would have implied that incomes would have to drop precipitously, so even the constant priced oil would still have been difficult to afford.