40M 50k saved. Is it too late to retire at 65?

40M 50k saved. Is it too late to retire at 65? I’m starting to contribute 800 a month to my savings. I invest in a etf that tracks the S&P and I have a government pension. But I’m anxious if it’ll be enough to retire at 65. I see people here 30 and under way ahead and wonder if I’ll have to work the rest of my life.
submitted by /u/Decent_Pen_2987

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