I agree, sp, and that was the essence of my much longer post. Having a fully funded retirement, savings, or whatever you want to call those resources, gives one a CHOICE.
Just as scaredy may choose to live every day of his life to the very end in court, others might prefer to be on a golf course, volunteering, flying a plane, at the beach, in an operating room, teaching, in a garden, on a film set
or.. .you name it.
Also, when you have the resources to retire at any age, if something unexpected arises and, for whatever reason, you are unable to work, you won’t have any financial concerns. Whether you use the funds or not, they do give you peace of mind.