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I'm 47 and will be retiring (meaning, only working on things I want to work on, when I want to work on them) in about 18 months. All I can tell you is that you can't get anywhere, financially, without a plan. Find a plan that works to achieve your life goals and stick to it. It's going to suck at times, but will seem normal at some point. My plan was a 15 year plan that I set forth at the age of 35. I'm going beat that plan by a year plus. I had lots of good luck to get there.
I wish you Good Luck and Good Fortune on your journey.
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