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It's actually quite possible that AI and machine's will replace a lot jobs by then and there'll be a basic income guarantee for all. See https://blog.ycombinator.com/basic-income

I sincerely hope that's how such a future would pan out.

I'm not sure I want to live to 120 if it means I cannot reasonably retire until I'm 95.

So working is literally worse than death?

No, not at the moment, but 60 something years from now it probably will be; that's a lot of time to spend making bits flip so some man or woman I'll likely never meet can be advertised to in some new innovative disruptive way (or whatever mundane/evil task your industry is involved in).

It takes 5-10 years of work to retire.

http://www.amazon.com/Early-Retirement-Extreme-Philosophical...

http://earlyretirementextreme.com/

Sure if you want to live your life like a robot for five years then it's totally doable. That approach takes extreme discipline which most people do not have. Also kids throw a wrench into that strategy.