Ever since I read about Rodney Brooks and his idea of the Subsumption architecture I've been convinced that something like this is going on in our minds - likely with some other mechanisms too. It just clicks for me - I'm mostly likely completely wrong, but it's a pretty cool idea, and I've used it to create some really interesting simulations.
I think it’s important to remember that you don’t have to wait until you retire to live your life. Finding a balance between your work and personal life is the most important thing to get sorted as early as you can. This looks different for everyone.
Sure you can climb a mountain, or cram in life experiences at 60+ if you’re in good health, but I think it’s better to do it as you go and enjoy your entire life.
https://en.wikipedia.org/wiki/Subsumption_architecture