I know someone who was very frugal all their life.   Unfortunately, many of the things they planned to do were cut short or never realized because of an illness from which they never recovered.  They died relatively young.   This, just before achieving very healthy target retirement "numbers" earlier than most people do.

There's something to be said for living in the "now" and not getting so caught up in retirement ideals that life passes one by.   Basically, there's something to be said for balance.