None of us have a 100% guarantee of waking up in the morning.  After a certain age, the % chance of waking up gets less and less.  As we're planning for retirement, I have to keep that knowledge in my head.  

If we work for another 20 or 30 years, we'll have a much better nest egg to retire with.  The catch is I'll be pushing 80-90 years old!  I would have saved all this years for I could sit on a porch and die, IF I even lived that long (most don't).

Retiring earlier, means less money.  Since I'm relying on social security for the biggest part of my retirement, I'm stuck working at least to 62, and at 62 there will be a significant drop in benefits from working 5 more years until I'm 67.  The almost double sized paycheck at 67 would be nice, but at 67, how many more years will I have to enjoy my retirement? And compared to Kay, I'm in good health!

It's a shame that the best we've been able to come up with is a system where we spend most of our life working so that we can afford to sit by ourselves and die at the end of our lives.  It's frightening how many I know that even after working, don't see a way to retire, and face working until they are so used up society can't milk anymore from them, and them will dump them on relatives that don't want them or state programs only have enough funding to neglect them.