My T is 64 and he currently has no plans to retire, but I think he is considering doing so at 67, when his social security would kick in at "full" payment or whatever they call it. He currently works only 3 days per week so it might also be that he "retires" at 67 but continues to work one day per week or whatever the rules about receiving SS allow.

I don't think I'm going to be done in 3 years, unless I move away from this community which is quite possible. I anticipate at least monthly therapy until I retire, which is at least a decade off. Maybe never. But I very much agree with nottrustin that having whatever productive years might be left is worth it. I think I could do fine with another T, but I'd prefer to stay with this one.

And as you probably know, the average lifespan for a woman is 85 years, with many more professionals in head-based occupations working well into their later years. RBG, for example, Ruth Bader Ginsburg, Supreme Court justice.