Interesting thought to buy a lake house and a boat. I am not old enough to plan for retirement, but I hear you. Boat, fishing and recreational items are fairly affordable. Lake house, depends, some people can afford, some cannot. However, there are enough public lakes within 30 minutes drive in USA, even if you cannot afford a lake house.

May be we don't need to plan for retirement just yet. When time comes, we will figure a way out.