I do not have any statistics at hand on this, but I have noted that many people, particularly males, die within a few years of retirement, which suggests to me that retirement might be fatal for some. Additionally, Social Security payments are constructed so that the longer one works, the more money one receives, and in fact, if one works until the "full" retirement age for Social Security, there is no money taken out of the monthly check if one continues to work. While I agree that ceasing to work and enjoying one's golden years sounds wonderful, there are many people whose 401Ks have diminished significantly in value, making it difficult or impossible to retire. Another problem with those who have set aside additional money for retirement is that we all live so much longer, and a legitimate fear is that we will outlive our money. The only down side I can see to continuing to work is that my generation, the baby boomers, is not getting out of the way of the younger generations who are having a hard time finding work.