That's why you need to let go of this idea of some awesome 2 decades of retirement where you finally get to enjoy and do all the things you want.
You'll be broken, half your friends are dead or dying, the kids won't visit, and you have no energy.
I'm being intentionally brutal to make it as clear as I can. Whatever you want to do, do it NOW. During good years.
Obviously, throwing the future to the wind and only caring about the present is stupid, but like you say there is absolutely an argument to be made that we should make the most of the time we have right now because tomorrow isn't guaranteed.
35 years from now.
Think about how much the world, technology, politics and ideology have changed since 1987. If you think the born-now will honor your retirement claim (that you/gov are making since new-born can't agree?) then, yeah, go for that retirement thing.
That said, I've also always found the terms "middle aged" and "midlife crisis" to be weird due to them not really making a lot of sense literally. Idioms like this seem pretty common in everyday language though, to the point of being standardized; as a young kid I was shocked when my punishment for some minor thing that was supposed to be for the "weekend" extended into Sunday despite the fact that our family calendar clearly showed it as the beginning of the week, not the end. It's not just language either; the earliest New Year's Eve I can remember, my parents had a very hard time convincing me that we had changed from December 31 to January first at 12:00 because it seemed so unreasonable to me that 12 would be the first hour of the day instead of the last, and I felt cheated that I didn't get to stay up until 1:00 like I expected.
'Midlife' is not about how long do you live, it's about how advanced you are in the expectations of the social life script, after 'raving youth' and 'settled elderly'.
I once read a book about Ulyssean aging, IIRC. It described persons such as Thor Hyerdal who in essence started new lives (full of recognized accomplishment) near age 60.
The mindset stability that came in the past few years has been nice. Hustling for the shiniest immediate goal in sight no longer appeals, but there's plenty of energy to go after long-term goals in ridiculously effective ways. The sort of laser focus and disregard for extraneous bullshit that 10 years ago I couldn't even imagine was possible.
It's nice. Life is barely getting started.
More realistically, a man who is 35 years old has a life expectancy of another 43 years, so not quite there yet.
Resources are higher too. For lots of things that used to take time, I can just pay someone.
And lets not forget I spent the first 10 to 15 years being basically useless.
It's crazy how much this can vary. I'm 34, but I'm female and from a family where multiple people have lived to be over 110. I've always estimated my 'mid life'/halfway mark to be about 45.
You are. Most people don't realize that until they're in their 40s.
It won't feel that way though, I understand.
My measurable physical stats are much better than they were at 26. Yes I notice junk food a little sooner and can't handle as much alcohol. But I can run a marathon faster, do better in the boxing ring, and can lift more weight with higher volume.
The main physical drawback that I can see are slower reflexes. That comes out in the boxing ring when going against people 10+ years younger.
> intellectual peak early to mid 20s.
Depends what kind of intellectual peak you measure. My focus is better and more intense. My ability to learn new stuff has greatly increased because I have a bigger vaster framework to hang new knowledge onto.
And I am infinitely better at solving difficult problems in a dumb easy way because I no longer care about showing off how smart I am. This not only makes my solutions easier to build, they're also easier to maintain so future me will have less work to do.
What I'm probably less good at these days is waxing poetically about the sort of very deep thoughts that feel deep to a 25 year old. And pointless brain twisty puzzles that I was never good at anyway.
I'd say these days, intellectually speaking, I'm more of a reliable orc that plows through problems with brute force, than an elf fleeting about using dexterity.
Coincidentally, I read an article in the Economist about male fertility that said 35 is when a man's sperm starts to become less effective. So, slightly less than full of life, I would say.
I was 43 when my father was diagnosed with a bad cancer that would kill him two years later (at 69).
Those things together triggered a lot of things that I think made up a mid life crisis, now I'm 48 and it seems to be getting better.