I respect all viewpoints on this and just about any other issues, but I stand firm in the belief to save as much and as early as I possibly can.
Later on, if I should turn out to be wrong, I'll gladly lower my contributions and savings, and spend it on myself.
That scenario is much more enticing to me than if I should be wrong the other way around, where I'm not saving enough, and by then, I would have even less time to do so.