A lot of it depends on one's genetic makeup, too. Many people would like to live to a ripe old age, bouncing great grandkids on both arthritic knees and once in a while entertaining the family at Thanksgiving by taking your dentures out and sucking your cheeks in. However, some people just aren't meant to live that long.

I read an article a long time ago that retirement is a stressor all by itself. With all the stresses in life today, you certainly don't need another big one just when you thought you should be riding into the sunset.