You're likely to live until you're 82, probably longer with medical advancements over the next few decades. You're life starts to clear out around 45 (I'm younger than that but it's already happening) as your grandparents die, your parents die, your aunts and uncles die, your friends move away, the actors and musicians you grew up watching die, and a younger generation embraces a new culture and takes jobs around you. But you still have half your life to live, maybe more, and if you don't have a family of your own, loneliness will be an interminable problem. By 65, there are few witnesses to your life left, maybe a distant friend or sister if they're close in age, and you still have another 20-30 years to live. Create and HODL.