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Current predictions by scientist at MIT put collapse of global civilisation at around the mid to late 2040s, so if you won't be retiring before then it'd better to just spend that money enjoying life while you can. Because even if global society doesn't implode (big if) then retirement age will rise to the point you never get to retire anyway.
There's been a similar prediction every decade for the last century. We're still chugging along
you can't ignore the fact things are getting worse and nobody is doing anything about them
I still want a retirement plan for my future but uncertainty over nuclear warfare and the end of democracy in the US played a role into me spending a chunk of my money on a motorcycle, which pushes aside the fear of the future into a present mix of joy and adrenaline.