Exactly right.
I worked, earned, saved, invested most of my life.
That worked well for me so I just take money at atm when I need it and buy what I want when I want it.
I spent my life worrying about money but not any more. At 75 it's just "fun fun, fun until Daddy takes the T-bird away!"
Actually my USA social security pays twice more monthly than I spend, so the retirement cache (well diversified) just sits moldering until the Repugnicans finally kill SS, then I'll start drawing on that.