That is why it is so important Jim, imo, that in all three of those phases we add plenty of fun to the mix. Adventures, silliness, and just plain daydreaming.
I have spent my life living in a way most people would view as outside the system, even though I've worked hard, raised my kids, paid my taxes etc., but no one has ever, and at this stage of my life probably never will see me in 7:30 bumper to bumper in a yellow power tie traffic waiting to get to work for some big life sucking spirit sucking corporation.
I'm lucky enough to have my share of nice things, but I know I can't take them with me and I'm not in love with them.
I remember once going up the interstate headed towards Winnipeg Manitoba for a six week hotel and college gig mini tour and outside of Grand Forks North Dakota the Northern lights dropped down like a multi colored conical drape, and was so thick we stopped the van and got out and looked at it awhile.You could almost touch it. Later we stopped at an Exxon in Grand Forks and the attendant said he had been there all his life and had never seen them that bright.
I remember driving all night from Charleston SC to Daytona Beach to play a club on the water for biker week. As we pulled onto the beach the sun had just come full up and the first thing we saw was a huge line of Dolphins swimming close to shore breaking the water together like precision swimmers. Unreal.
I remember when my daredevil youngest son was the smallest and youngest child to ever go on one of those tower rides that drops you 100 feet and swings you like a pendulum. We have that on video.
The fun is what makes it worthwhile, in my opinion.