Yǒuqián, sìshí chēng niánlǎo; wú qián, liùshí chěng yīngxióng.

有錢四十稱年老, 無錢六十逞英雄。

Lit A rich person calls [himself] old at forty [and retires from working, while] a poor person poses [himself] a hero at sixty [for still working at that age].

Fig A rich person can retire from working and enjoy life in middle age, while a poor person has to continue to work for a living until (s)he's really old.

Topics AGE MIDDLE AGE POOR RETIREMENT RICH WORK