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Look on the bright side, if the money runs out and you have to leave city life behind in favour of a small cabin in the backwoods, you will finally have the dark skies you longed for for so many years.
I try to not stress over things that I cannot control.
Personally I think people have been fed an unrealistic line about how much money you will need in retirement. I retired at 55 a few years ago and find that life is hectic enough without adding overseas trips etc into it. A new granddaughter keeps me entertained for hours and costs me nothing.
If I make into my 70s and 80s I am confident I will survive as long as I have 1 scope, some books to read and a bowl of soup per day.
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