@Smokin Joe
I understand your points,but I also understand that stopping work was the hardest thing I have ever done in my life. I was even willing to take one of those "greeter geezer" part time jobs at minimum wage,just to have something to do,but didn't because young people need those jobs to learn responsibility. Take away all the "starter jobs" and they have nothing.
I have a few years before I can draw Social Security.
Booms, busts, and bad investments have pretty much destroyed my savings, so I have to keep working. It isn't optional.
As far as the geezer/starter jobs go, they are not my job of choice, but if they keep my meager savings intact and provide insurance, I am miles ahead of sitting at the house watching what I have worked my life for go for back taxes.
With the crash in oil prices, my usual means of making a living went out the window. I definitely prefer that pecuniary compensation level. But my rig is getting stacked (got the word this morning), and until that sorts out, no one knows what drilling program, if any, there will be for the remainder of the year.
I have plenty of projects when the time comes, and will need a little income to do them, if not pay bills, but I'm not at retirement yet, by a long shot.