About 6 - 9 years ago (a period of time between those years) I was in a super duper super dark place. Like, as dark as it gets. I am very happy to report that for the last almost-6-years it is not that way for me. One of many paradoxes for me has been that the better my mental/spiritual condition has gotten, the less I worry about existential stuff and give less of a eff about "death" and crap....yet, when I was most miserable and wanting to just die (and perhaps by my own hand), I actually was super afraid of death and stuff.
To sum up, I currently give zero fucks (in terms of worry) about retirement. Like, it doesn't even bother me at all in the slightest. I set the amount that I need to set aside in my savings, do that, and say eff it. I will sometimes day dream about maybe buying a lake house or something, but it's not this urgent need to accumulate things or FOMO. It's just some happy thing to say "sure, maybe someday something neat like that might work out."