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I tend to look at it the other way. My goal is to retire early. A lot of others are stuck working until they are 65/67 or whatever their retirment age will be. I view the day that I fully retire before the age of 65 as a major success. I don't look at the extra year or two as "lost opportunities" as I consider myself extremely fortunate to be able to even consider retiring early.

I also tend to look at a glass half full of water as "half full". In otherwords, tend to be grateful for what I do have, not what I miss. In this case, what I am "missing" in your words is just part of the road I travel to what I will have when I reach my goals...
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