It’s not that bad. You’re generally not aware of what you’re doing for the first 10 years. Then study for the next 10. Then, if you work to live and not live to work, you might get something out of life. Anything post work, I kinda see as a bonus, not a goal. Predisposed medical conditions may mean you aren’t seeing those years anyway. Actually… it may be that bad lol.
Just don’t take it that seriously. Live till you die.