Some people just don't have a life outside of work.
Hence the reason they retire.
No wife or kids to support.
Some of us have responsibilities.
Additionally, my pension will pay $2,400 more per month at age 62 than at 55.
Not all pensions work the same.
My plan is to have $1.1 million in my 401k and wife's IRA, $6,000 per month pension, $3,900 in SS, owning a house outright.
If I only had $200,000 in my 401K, a red zone pension and SS based on $75,000 income at age 57 I would not count on caviar. You would have to plan for 30+ years of life after retirement.