I don't disagree with any of what you say here. However, if you think for the long enough term, at some point you won't be able to continue. It could be a health problem, your vision might degrade to the point that you're not able to see the computer screen (sure, you can use tools that read things for you, but that makes it slow and only helps with text), your ability to concentrate and focus could break down, etc. At that point, not having put in place what's needed to retire will mean you're in abject poverty (trying to live off Social Security benefits alone will be no fun).