I cannot agree with you here. Although I do not claim to be smart now, I am definitely farther along than when I was younger. And I hope to be working only because I enjoy it in about 9 more years, happy to be also looking forward to quite a bit of travel, as well as on-going self learning I already do...
I worked hard for the first 20 years, now I work part time, and as I said already, I hope to have it be optional soon. I also feel far more appreciative of life in general now, whereas I took much for granted while younger. Hopefully, that will continue to increase...
But now having typed this, I realize that we are all different, and the path we took is the path we had to take to be who we are...
Hmmm... Never mind?