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Personally, my retirement age is 66 & 10 months due to the my birth date.  I am healthy, happy, proficient, and enjoy my job.  I'm not on any medications and in in good physical shape. 

Why would I retire any time prior to the normal retirement date?  And if I did, what would I do to fill my time?  Get a "retirement" job at the local hardware store?  Why not just keep doing what I love?  

In my "old bro" though process, I think the thought process in the OP's post is irrational.  

Respectfully