I think the middle ground is healthy.
I'm in my early 30's, I have a job that I get to "create" in (I make video games).
> I immediately wondered if this individual had a family, friends. Had this person already seen the world and its many sights and wonders? Had they already experienced everything good there is to experience in this one lifetime that they were so bored of it that they would prefer to work instead? Had they already swam with whales, explored dense Amazonian jungles, climbed snowy mountains, explored the countless alleys and backstreets of Tokyo, etc.
Lots of these things are best done when you're younger, healthy, and able to do these things. I would _much_ rather live in a nice house in a nice area with exciting things to do from my mid 20's onwards and enjoy those things for years and years and years, rather than live in a smaller/cheaper/farther out place so that I can retire 10 years earlier and start living. I'd rather have 1-2 of those things to look forward to every year than say "I can't wait until I'm 50 and I can finally start doing all those things".
My dad counted down the days until he could retire, talked about how he would finally get to do X Y and Z. About 2 years before that, health conditions caught up and now he's not fit to do so many of those things that he was so excited and happy to do. If the tradeoff for me is working until I'm a little older while getting to enjoy the journey, rather than minmaxing the time that i can work and retire, then I'll choose to enjoy the ride.