From a financial, longevity demographics and keeping mentally fit standpoint, early retirement looks like a worse and worse idea. In fact, I think most people will need to work past even the current "full" retirement age of 65. What we really need is more labor-market flexibility, where people slowly ramp down. Maybe work 32 hours a week for 3-4 years after 65, then 25, 20, 15 and maybe out around 75-80.
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