I think that might be confirmation bias. The people who happily retire and have the freedom to do whatever they want are less likely to talk about it on a forum

I think that might be confirmation bias. The people who happily retire and have the freedom to do whatever they want are less likely to talk about it on a forum; they'll just go live their lives. Conversely, if a person banks all of their happiness on retiring early and then is unhappy they are more likely to talk about it on a forum. It's a similar phenomenon to the prevalence of negative reviews outweighing positive reviews.