Healthcare costs grow rapidly as you age, and have been outpacing inflation in the US. If your remaining money is only keeping up with inflation over time, you are very likely to fall behind later in life, when job opportunities are more scarce, and less lucrative.

If you can make changes to live more frugally now, and work a year or two more while your money is growing in the background, you will be much better off long term.

I have numerous family members that have lived a long time, and eventually faced severe health issues, so I expect that in my future. I will work until my retirement savings are more than I need for my current lifestyle, and then cut back on certain things to do my best to prepare for that eventuality.