Heck I have it planned out to be a door greeter at Walmart in retirement.
Seriously I know several persons in their 70's and 80's who ended up working at Lowe's and Walmart because something happened and their retirement got wiped out. I don't think anyone can take their retirement for granted.
No kidding. I take nothing for granted anymore.
After reading some of the posts on this thread, I can understand why some retirees are taking out reverse mortgages. They want to care for themselves and not depend on children and, at the same time, not worry about leaving anything to children who are selfish.