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I've seen the same thing. I have close relative who retired young due to a "disability". He was able-bodied enough for most jobs and was offered a desk job by his employer but decided to collect SSI and sit at home instead. He proudly declared himself "retired" and he wasn't even 50 years old.

Slowly and surely, he began a speedy decline. Online gambling, pornography and drugs and liquor. He put on over 100 pounds. His wife left him and he lives in squalor, sitting in a darkened room with the TV constantly blaring. None of his friends come around anymore.

Many people have been brainwashed into looking forward to retirement and envision it as endless golf and pleasure. What they need to understand is that retirement signals the end of your useful life. Without wanting to sound too harsh about it, the only milestone after retirement is your death.

Having a job gives you something to live for. There is plenty of time for golf and vacation when you are working. In fact, you will have more money to do those things.