One can have it now OR later but not usually both. I've travelled during my working years because when I get old, I'll be old and not in as good condition. :)
Never wait to live but realize: you can have it NOW or you can have it LATER but you can't usually have both :)
My retirement plan it to buy a motor home (in just 19 months). I've enjoyed my life and not waited. I will have less money in retirement (have always known that) so I've always saved for my retirement. If I find my taste in retirement get larger than my money, I can always get a part time job but as I'm usually thrifty, I don't think that will be required.
Most people just don't seem to plan on getting old and not being able to work.