re: So you baws want to work longer

Anyone banking on SS as a retirement plan, other than legitimately disabled, has already lost. Social Security is for poor people, it's a "safety net". It's not a retirement plan. It's not a pension.

Which is why Roth IRA's should have no income limit and no cap. Neither should Traditional IRA's or 401k's.

And mandatory minimum withdrawals once you reach retirement age are also bullshite.

Children need to be taught financial literacy from Kindergarten through 12th grade.