You may not live to reach the age of 65. You could die before that.
You have a choice ?? I mean.. if you have school going children, a family to feed, mortgage to pay, bills to settle, medical fee to pay... you can stop "struggling" as you put it ??
Looking at the link below... Even European Countries has in recent years, rise their retirement age. Its 65 for Germany and 60-67 for Greece (if the Greek Govt still have $$$ to pay you), 62-67 for USA and 60 for UK.
Quite a few news report has hint that both Germany (to 67) and UK (to 70) will be raising their retirement age...
Age is not the main factor in retirement... WEALTH is. Without $$$$... how does one stop working.
Scuba & Father... For Life
I am coming to that retirement intersection. Mentally, I am still very able and contributing. Physically, I didn't see any problem although My works are more administrative/management in nature. However, I also do not want to leave only when told. In another word, outstay your welcome.
It will not be 60, 65 or whatever numbers. It is all about satisfaction and knowing what you are doing. Retired life would be traveling, gardening and of course photography!
For those reaching this intersection, start preparing. Even if you are in your early 20, you also need to plan.
Take a look at the death statistics. About a third of yearly mortality is in the 55 to 65 age group.