The majority of people retire sooner than they want to. "In the Transamerica survey, 56% of retirees said they retired sooner than they had planned. A much sma

The majority of people retire sooner than they want to. "In the Transamerica survey, 56% of retirees said they retired sooner than they had planned. A much smaller share, 7%, retired later than expected. Only 37% retired on their own schedule." ... "nearly half of those who retired earlier than planned blamed their health: physical limitations, illness or disability. Roughly two-fifths blamed their jobs: They were laid off, downsized or lured into early retirement, or they were no longer happy at work." ... "“We ask retirees why they retired sooner than planned and, by and large, it’s due to either personal health issues or employment-related issues. They may get laid off, bought out, reorganized, and it’s extremely difficult for older workers to find work.”" -- https://www.cincinnati.com/story/news/2024/01/26/the-average-age-americans-retire-is-younger-than-you-think/72340284007/ https://www.cincinnati.com/story/news/2024/01/26/the-average... That's a random survey but you will find many others that say the same thing. If you're planning on never retiring, you're not planning.