Many, many things can be funded via loans -- mortgages, car payments, college educations, etc. etc. -- but there's no such thing as a loan for retirement.
And do not ever assume that you could work your entire life, even if you wanted to. People get sick and disabled. Skills become outdated. The job pool shrinks.
No matter what your financial obligations look like, and no matter how they expand and contract, always, always be thinking of how you can sock more money away for retirement.
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