Wow! Most of us don’t think of our mothers that way. How sad for you.
As a rule, the average person will have more money upon retirement or soon thereafter than they will for the rest of their lives -- obviously there are exceptions to this, but this is the norm.
Using the "logic" proposed in this thread, a person should work as hard as they can, as long as they can and spend as little as they can on themselves. Then, when either can't work or can't earn enough money to support themselves on a day-to-day basis, they should kill themselves. Forget about enjoying retirement, you need to die for the "common good." What is being proposed here is textbook Marxism (yes, in case there was ANY confusion, I called the person who supports the suicide-wealth redistribution agenda a MARXIST).