I'll work at some job or other until I die. My father worked until the very month of his death when he was too sick. The saddest thing to me is hearing that my rather elderly aunt and uncle are refinancing their home to try to pay down credit cards. I've become convinced that the only way to save enough to retire well is to live totally debt-free. I tossed all my credit cards and don't miss them.
Exactly. Compound interest is a powerful force; make sure it's working for you rather than against you. And there's nothing wrong with credit cards per se, just don't carry a balance.