I have two concerns with the work now, enjoy later:
1) It forms habits. I think there are a lot of people who work now and just keep working because they never work out how to stop.
2) Later isn't always what you think it might be. A cautionary tale:
My parents worked (very) hard their whole lives, both became company directors, had a small shareholding in the company one of them worked for and did well out of it. They wanted to get themselves (and me) set up and get to the point they could enjoy retirement.
When they did retire (a bit after 60) within a year or so my mother had to have her hip replaced which laid her up for some time and rather scuppered many of their plans. Things got worse on that front and she ended up having both hips replaced twice. She was then diagnosed with cancer and died 18 months later (much of the enjoyment during that period limited by her treatment).
My dad is now way more than comfortable but his plans are in tatters.
In short: later is always a risk. Later may not be what you think it will. Perhaps it's best not to bet it all on later.
1) It forms habits. I think there are a lot of people who work now and just keep working because they never work out how to stop.
2) Later isn't always what you think it might be. A cautionary tale:
My parents worked (very) hard their whole lives, both became company directors, had a small shareholding in the company one of them worked for and did well out of it. They wanted to get themselves (and me) set up and get to the point they could enjoy retirement.
When they did retire (a bit after 60) within a year or so my mother had to have her hip replaced which laid her up for some time and rather scuppered many of their plans. Things got worse on that front and she ended up having both hips replaced twice. She was then diagnosed with cancer and died 18 months later (much of the enjoyment during that period limited by her treatment).
My dad is now way more than comfortable but his plans are in tatters.
In short: later is always a risk. Later may not be what you think it will. Perhaps it's best not to bet it all on later.