Well, the vacations I take are ones that I will not be able to take when I'm older. Obviously the problem here is that you have kids.

It is highly unlikely that I will be jumping out of a helicopter at 60 yoa so I'm doing it now. Retirement can wait but my physical capabilities won't be here forever.
Seriously guys, what are you doing? Saving all your money so you can enjoy it when your retired? If you are lucky you will be able to travel and see cool places, wohoo. Can you really enjoy it as much as you would RIGHT NOW? I always said, we should be born old and grow young. I'm not retiring till I have too. And in the meantime (cool Helmet song) I'm going to enjoy the F*ck out of my life. And if something goes terribly wrong, well at least I was having the time of my life. I watched my old man, a pediatrician, work his arse off so that someday he can enjoy his retirement. Well now is the time for him to retire nad he feels like he can't b/c he isn't healthy enough to travel since his 2 THA's still bother him and his PVD is causing claudication. Not me, I can be sitting at home while my hips are failing but at least they are failing from overuse not work. Plus I have no kids counting on their inheritance so I can spend every last penny.