I have often thought that we have the entire plan of life backwards. You should retire from about 18-35--travel, party,get married and have children, whatever, on a pension, and then go and get your education or trade, and work until you are 80 or as long as you want. Education is wasted on young people to some extent who are more concerned with booze than books. But they could take advantage of broadening their horizons ( think of it as a gap decade) and then make more informed personal choices about career and work with some basis for the decision. How can you decide what you want to do in life when you have experienced none? On the flip side, it seems that people remain healthy and happy longer when they are busy and engaged with something, so why force people to retire at some arbitrary age, why not let them be productive as long as they want to and can?