If you can make $125k in your 20s, work that soul killing job for 10 years and put as much away as you can. Then at least you have the start of a nest egg by the time you reach retirement. If you do it backwards and save when you're older, it's 10x harder. Do your passion when you actually have a passion. Until then, work to live, and save save save. (But don't forget to travel)
The risk is that before you know it you find yourself with a "fully-funded" retirement account, a stable career, and your vitality gone with your life now behind you. The trick is hard to pull off.