For an average man is "Retiree lifestyle" way more exciting than "adult life"?

Also, I am talking about ordinary people it seems that if you are wealthy you can "skip" certain phases and go straight to "retiree lifestyle." Let's only focus on man and not women. Since I feel many guides are for women but few for men.

Young adult life: Say you go to college usually, most guys who go to college have to live in "ok" conditions. You have roommates and MAYBE you can get "laid" at a college party but only if you are the coolest there like if you are part of a sports team or you frat. I have also seen that life is quite uneventful where people just go drinking alone in their rooms with their few friends.

Adult life: Let's say, "Post-college" life. It seems that this is one of the roughest periods for a young man. For instance, I have friends who move to a big city, live with roommates, have to work demanding jobs in squalor conditions, and maybe go out on the weekends to try to find a date..etc. It seems most of these people are working out of NEED and not because they want to.

"Responsible" Adult life: Unfortunately, it seems that as life gets slightly more accessible for a man. Like he can buy apartments to live by themselves..etc. It is at the age when most women want to settle down. Unlike escorting, where you are "renting" the woman, it seems that if you marry her, you are "buying" the woman. Where you are responsible for her well-being(especially in the countries where you have to pay "alimony.")

It seems here a man's life no longer revolves around himself but rather the family. It seems this whole experience is getting into more and more debt. He has to support the wife financially, the children(usually people have two to three children), the house he buys/rents has to be suitable for them, which makes it more expensive, getting a car. Usually, guys like this will settle for whichever job they have or can get. Hence, you see families with too many children or families who end up divorce falling into poverty at this stage. Otherwise, this process will continue until the children become older.

Retiree lifestyle: Here is when a man can truly enjoy his life. The difference between all the previous categories and this one is WEALTH. It seems that if a man has wealth and fewer financial burdens. He can do whatever he wants. I have seen friends of mine(who are not old) who when to Thailand or Tijuana. But it seems that most guys go through all the other stages before arriving at this one.