“while we’re still young enough to enjoy it”
That is my wife’s argument. In our 60s, we can travel, go hiking, etc. By the time we break even, we’ll be pushing 80. And while I know a FEW healthy folks enjoying life past 80, I suspect waiting would mean our kids would inherit a little more - in exchange for us doing less in our 60s & 70s.
Plus, we're seeing so many our age and younger either kicking the bucket or becoming incapacitated so they can't do much - the longer you wait, the greater the odds are that you waited too long.