You can't forego savings because "I might die at 40". That's really not a sensible plan. It's a balancing act, but I'd rather have saved too much and die a little early, than not save enough and somehow live to 100.
I agree 100%. There is a balance you want enough savings for 'a rainy day' and also enjoy the rest of your life. retirement is only part of enjoping your life.
the important point is don't get so lost in saving money that you don't enjoy now.
But accumulating and saving always comes at a cost. Is it worth to earn more money, but spend less time with your family for example? It's a delicate balancing act and you never know where the right balance is
