Yes, this is what I meant exactly. My mom has the aforementioned chronic pain from working 60 a week for like 20 years, and my dad had a stroke, partial blindness and high blood pressure after being so stressed at his work. My grandpa is nearly deaf from his time on an aircraft carrier in the Navy to get his GI bill. My great uncle died from asbestos exposure (from the Navy), for his GI bill and never saw retirement at all. Everyone aspired to retire early with tons of cash but ended up ruining their bodies or outright dying.

Instead of looking for a cutoff point to "finally live life", we should work comfortably and progressively easier as we age, mind and body intact.