At 40 years of age I was pretty much on target to retire at 55.
At 51, I'm pretty much crossing my fingers that I'll have some retirement years before I'll croak.
During my 40s I did manage to squeeze in 1 divorce, remarried and had 2 kids.
I reckon I'm getting more enjoyment bringing my kids up just now than I would have tearing lumps out of golf course when I'm 55.