The older you get the more of income you should have am I right?
In short, yes.
Those with stable incomes and dual incomes are able to set aside a portion.
Over the years it compounds and starts adding up.
After a while you look at the statements and think, 'wow, it really has been worth it'.
No of that is to say that a person should not enjoy their money when they are able. My wife and I go on 1-2 vacations every year. We could very easily just add it to out retirement, but feel we will enjoy it more no and we work so hard to be able to enjoy what we earn.