The American developer can retire in 1/3 to 1/2 the time of the Finn. And yes, I'd say working a bit more for that is an obvious yes.
Funny how Europeans are crowing in this thread about how Americans need unions for better pay, but when Americans say they have better pay Europeans just say Americans are obsessed with money.
The obsession with Americans tells a lot about what Europeans think of their system
You can't, if:
1. you have a chronic illness that requires a good healthcare plan to be treated affordably
2. you have a large family
3. your student debt is larger than average
4. you have a large mortgage
5. your have other financial liabilities you can't afford to handle without good paying job
6. you have no retirement savings or they are insufficient
Items 1, 2, 3 and 6 are non-issues in Scandinavian countries.