I'm not sure, when I get old I can do something here but I will tend to withdraw more money to take care of my life. Of course, everyone will have different ideas so try to make your life better from now on.
your saying that its all about confidence ? well that is one of the key to earn big but you cant forget other key factors too . confidence will be nothing if your not intelegent enough on your decisions or on your investments . i dont also think that its based on the age but i believe any age can do both as long as they understand how it works . older age people are known to have thier pension funds , they can earn money with it and they can still use it for both activies . i see many older people do both though