I agree completely. I'm similar to you in that I dont worry about ever paying a bill or day to day expenses.......but there isnt a day that goes by that I dont think about retirement in a few decades and needing to save a bigger chunk now. But even looking at my mom, she has more than enough money that she shouldnt ever have to worry about it for the rest of her life (per her financial advisor and due to my dad having sold a successful biz before passing away) and yet she still worries about it every day.

Maybe its hard-wired for some of us. But definitely its something that every day I personally think about and am driven by. I do envy those who dont think about it much, I'd love to be the same way!