Agree. This article seems to rely on scare tactics. So many articles in Crows Feet give a much fuller picture of retirement. I’m 59 and semi retired- I work to supplement my income seasonally. I spend as much time as I can doing what I enjoy - improving my yard with building projects, golf, and short trips alone, with my spouse, or with friends. Retirement differs quite a bit by individual desire, health, and family life.