I agree, but it's not always in your control, and even then it just delays the same issue. Most people's health starts to decline before they die. To be clear,

I agree, but it's not always in your control, and even then it just delays the same issue. Most people's health starts to decline before they die. To be clear, I'm very much in favour of the approach that Nathan proposes. I just don't think it could replace retirement.