<prompt> Human: To frame this discussion Im not even going to consider the future advancements in medicine, because theres no way to know for sure how long well be living in 2050 or if I can grow a new heart from stemcells.Im 25 years old, and I live a pretty unhealthy lifestyle and have been for a long time. Eating, smoking, drinking, seldom drugs, and I dont really plan on stopping. I dont see myself living to 60, and Im not even sure if Id want to. I also make 55k 2 years out of school, I see that increasing in the near future, and could easily start saving for this idea of retirement.Obviously this will be a different perspective than most of you on rpersonalfinance. The way I mistreat my body is the same way I mistreat my finances. But if I realistically think I will die before I can cash out any 401k or IRA, then why would I even bother to save it? Fundamentally I am opposed to the idea of retirement; enjoying life when youre 70 years old and decaying and physically unable to do things instead of doing it when youre 20 and 30. I see my grandparents complaining about every sickness and ailment, and apart from their grandchildren I see no reason to suffer through life. I wont have children, so I think if I somehow even make it to that age Ill just off myself quietly.Live large now, and die young. Is it reasonable?EDIT: Thank you everyone for your serious replies. A wholehearted fuck you to the people ridiculing me for asking this question.  <response>: Fundamentally I am opposed to the idea of retirement; enjoying life when your 70 years old and decaying and physically unable to do things instead of doing it when youre 20 and 30.I think your definition of retirement as to paraphrase waiting until 70 to enjoy life is one issue here. You might, instead, consider the idea of financial independence, as thats what many people really mean when they say they are going to retire. The idea is that you are no longer dependent upon any outside parties to financially maintain your life and your lifestyle. This can be achieved as early as in your 30s or 40s if you follow certain strategies espoused by the likes of Mr. Money Mustache and the people over at rfinancialindependence .Everyone has to decide how they want to strike that balance between saving for later and spending now. You can go to either extreme with this -- saving 50 if your income to retire by 3040, or spending 100 of your income because you never plan to retire -- or you can find a middle ground where you both are saving for the future and enjoying your life today. Many people, especially those on this sub, have achieved that balance.Another point to saving for later is that, as mortal humans, we will not always have the ability to work due to declining health. Either our brains or our bodies will prevent us from being able to do what we want to do forever, and many times, you become unable to work well before youre so unhealthy that you actually pass away.All youre really saying is that you are expecting your health to decline faster than most people. Thats your choice to behave in a way that is detrimental to your health, but you may still find yourself in a place where youre unable to bring in the kind of income you could earlier in life, but youre not dead, either. The point is, you may just need to live off some savings when youre in your 40s and 50s rather than in your 60s and 70s. Keep in mind, too, that if you are unable to work in your 40s and 50s, you wont have the advantage of normal Social Security benefits that kick in as early as age 62 though you may find yourself eligible for disability benefits. That just means you could end up being even more dependent on your savings than someone else that waits until a normal retirement age to being collecting on Social Security.TL;DR Many people have this idea that theyll always be able to work and bring in income until they die, but very few people actually end up being able to achieve this. No matter the age at which you predict your health will deteriorate, its likely that youll be dependent upon savings to get you through your final daysweeksmonthsyears, or at the very least, that your personal savings could end up making those last few years a lot more enjoyable for you. 