Plan for retirement as early as you can, of course.
However; you should also do whatever pleases you and ignore any advice to the contrary.
You can't take anything with you . . . but why separate yourself from what you have while you may yet enjoy it?
I am not going to sell anything I enjoy while I am alive.
I think that one of the last things you want to do is to divest yourself of the things you enjoy . . . and then sit around and wait to die.
Unless . . . unless you are the type of person who will actually achieve greater peace of mind in divesting. I'm not that type - not yet anyway.
I didn't actually start buying vintage watches until I hit 65 or so, ten years ago . . . and I plan on picking up a couple more - not many - if or when the mood strikes. I may sell those that I no longer wear. There is no watch that I'd buy that I won't wear as often as I like. Nothing has been purchased to be kept in a safe.
As to what happens when I am gone? I've made provisions for the big things and I have information on what collectible items cost me and what I think they may be worth and how they may be sold on. Some items may become heirlooms perhaps, but if any get sold for 5 cents on the dollar . . . after I have provided information to help move them on, I won't care now, will I?
I have started to divest myself of things that no longer bring satisfaction. So for example, I am selling off some 1/32 scale live steam engines and cars which make up trains. I enjoyed them while I built them or acquired them, but now? Not so much.
Do whatever pleases you as you move from one stage of life to another. Just try not to leave too much of a mess behind.
😉
Cheers.
~ Joe