That's a wrong way of looking at retirement. You having a job is dependent on many reasons beyond your own interest. Age related discrimination is quite common in our industry, recessions happen every 8 years or so, companies shut down, a person can have major illness, or disability.

There are many reasons why you may not be able to do what you like, let alone doing it for a living.

Being prepared for such things in the future not only saves you from all the trouble, it saves your family too.