Much of the study in that article has since been found to be not true, especially the graph of retirment age versus longevity. If you are working at a very high stress job than some points are true but if you are working where you really enjoy your work, enjoy your fellow workers, and not under high stress, the opposite may be true. Some people decline rapidly after retirement because they no longer have the stimulation of work or social interaction. Call it poor planning or whatever, but it's true. I really enjoy flying airplanes, my schedule is ok, I enjoy my fellow workers, I have fun at work, so I don't particularly want to retire till I have to. I know that isn't the case with everyone, so just go ahead and retire at 55 or whatever you want. No one is telling or ordering you to work to 65.