@sunrayjack12, you make a good case. My father died at the age of 62, and never made it to retirement, so I can relate.
If I KNEW I was going to kick the bucket before I hit 70, I would probably walk away much sooner than 65.
However, I also work with two fellows who are still working full time in their mid-70's (73 and 74). That scares me even more. The thought of retiring too soon, running out of dough, and having to go back out and work full time again in my 70's is terrifying.
For now, I'm healthy, and I need to make hay while the sun shines.
There are no guarantees in life, hopefully I get to enjoy a few years of retirement when my time comes.