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My anecdata with my parents generation suggests the same. Quite often retirees I know grow 'old' quite overnight after retiring. One or two even died soon after retirement with no prior illnesses. The total absence of responsibilities is what I contribute it too. You don't want too much stress in your life, and winding down a bit at 60+ seems legit, but a sound daily rhythm and outside expectation just seem to fit with being a social animal. They all want to see the grandkids more but end up mostly being entertained while doing groceries. Obviously a massive simplification of other peoples real lives, but the fittest 60+ yr olds I meet are usually (partially) employed. I totally acknowledge that it is more feasible for consultant-type white collar jobs and that on it's own is a subset with different health characteristics, so I'd happily learn of more research in this area.

You are glossing over the most important aspect of retirement which is financial independence. Choosing to work vs being forced to work to support your family. Even if you don't want to retire you should plan to _be able_ to retire in case you change your mind or life changes it for you.

Agreed, though I'd add the "different routine" is just doing what you already do but:

1. more flexible hours

2. outcomes not tied to income (meaning you no longer worry about what you're paid as the deciding factor in why you work somewhere)