"Do you worry at all about how that will impact your ability to retire? The drain on your savings?"
I'm not going to be able to retire, and my savings are gone. The end of my life is likely to be quite miserable.
I know my choices have lead to that. They weren't good choices, and I wouldn't recommend them to anyone. But they are the choices I made and I am reaping the consequences.
If you can hack it, be all career oriented and make good choices that secure your future... more power to you if you can do that for yourself and your family.