So, the plan is to work super hard until you are ~40, only to die in a car accident at 35?

Don't plan to have fun later, because later may never come.

I think it doesn't matter when you died.

You didn't exist before you were born, so you had no idea about anything.

You "die" when you go to sleep.

So we could say most of it doesn't matter - of course if there isn't anything after our living here.