One of my cousins is 74 or 75 I believe and still works. She and her husband were typical middle class, non-college educated working people who were setting aside a retirement savings nest egg. He didn't believe in life insurance for what ever reason, I guess believing he would live well past retirement age and accumulate a reasonable amount of savings. Well he died in his late 50's and my cousin had no choice but to keep on working. Their savings weren't enough for her to live off of even with social security so she needs a job that fills the gap. She doesn't work because she is bored, she works to have enough money in order to get by.
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