I'm 62, and on my way out of 20 years in this....world. My only regret is that I didn't start saving sooner, so my advice to anyone in their 20's/30's/40's: max out the 401K, open up your own brokerage account and invest in mutual funds, and stop with all the stupid designer stuff/big houses/fancy dinners/expensive spa trips.
Once I got serious about saving/investing, it was on, and I've finally tracked a decent retirement. Would I have liked this to have happened sooner? Yes, but I "had" to have that LV bag, go on expensive wine trips, keep up with everyone.
Over time, these corporations truly suck your soul. Yeah, you have some great years, make some friends, have some fun sales meetings, but in the end, what did you really do for anyone?
Oh, and the stupid President's Club trips: These days, I purposely stay just below the 10% so I never have to go on one again. You name it, I've been there, walking up to get some stupid plastic heavy award in Maui, Costa Rica, Paris. Whatever. In the end, the trips I really enjoyed were with friends, family. Not the stupid rah-rah "look how great we all are" President's Club trips. Work your ass off for 11 months to sit in a swimsuit with your fat co-workers on some bland beach.
I sound jaded, and I guess because I know my end date is near, so it's kind of cathartic to write it all out. In front of my customers, I'm the happy rep they've always known, but because I see through so much corporate B.S., and I know how truly unscrupulous and unethical so much of this stuff is, I'm happy that I'll be on the other side.
I have a group of coworker friends in my same age range, and we talk about this a lot:
We were lucky to get in when we did, and we'll be lucky to get out soon.