[timj219]

If I can keep my health and my job I will probably work til I'm 70. If I hit the average that will mean ~5 years of retirement. I don't need much so I think I'll be OK between SS and a little bit of retirement savings.
My father took an early retirement package at 55 from IBM where they boosted his pension and carried his health benefits for ten years. But that doesn't happen any more. People today who occupy the position he did then just get laid off rather than given an early retirement incentive. I think for most people the golden age of retirement at 60-65, travel, golf, trips to disney with the grandkids is over. SS is always in danger of interference of various kinds, pensions are mostly a thing of the past, wage growth is stagnant (for about 30 years now I think) and your 401 is invested in markets which are always going to be vulnerable to failure.
But personally I'll be happy as long I can house, feed, and clothe myself in retirement.