Many of the things you say are true. However, if you think people retiring at 65 are retiring “two decades too early,” I beg to differ. Have you ever worked with an 80 yr old boss? I have. No computer skills, no knowledge of how things work and even less interest...in short, the kiss of death for any company unfortunate enough to have him or her.
That doesn’t mean that all 80 yr olds are like that, but the great majority would be, and purely from a business point of view, you need to make space for younger people and new ideas. If they’re hale and hearty and full of ideas at the age of 67 or 70, let them retire and start a second career. And free up the jobs for the next group down.
I”m talking about civil servants and some private sector people who retired in their early 50s and cops and firemen who retired after 20 years.
NOT 65 year olds.