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I had some friends in Munich who were brothers, just two or three years apart. They both grew up learning British English, but one eventually participated in an exchange program in Canada while the other participated in one in Australia. When they came back, their English accents were completely different from each other - no matter how hard they tried to sound similar to each other. In the end, everyone though it was unique and kind of fun since one brother would sometimes use slang the other didn’t understand.
Point being, OP, is to do what feels natural. Ultimately, it’s your voice, but you’ll pick up certain things here and there that naturally change your way of speaking over time.
Either you weren’t contributing for decades, or you literally only contributed $10-$20/mo for ~30 years. If your job provides a 401k option, with tax write-offs and everything else you should have been contributing a lot more to maximize its future utility. This is assuming your employer wasn’t even matching.
Either you aren’t telling us the full details, or you haven’t fully been contributing for decades.