What's to feel guilty about? I worked in law enforcement for 29 years, worked weekly rotating shifts for 18 of them. Worked in fraud section, later morphed into computer crime/computer forensics which was a lot of fun - straight out of science fiction at the time. Got beat up a couple of times, stabbed with a knife, shot at once. 20-25% go out on permanent disability, 8 were killed. I feel lucky that I can still walk across the room and get myself a glass of water - I know some who can't.
Watched my pennies after divorce from spendthrift ex and in 14 years had a paid-for house, zero debt, and enough in deferred compensation savings. Married a bookkeeper who is more frugal than I am.
I'll admit I didn't pay attention to the agency's retirement benefits (at age 22 who does?) so that part was pure luck.
Hell, I EARNED it!