If I could comment briefly, this is a bit like the discussion about women who work part time wanting to work part time. The reality is that most of them want a full-time, full-year job.
I was recently in a restaurant and an older man was taking the dishes off. I don't know how old he was, but he was working very hard. I don't think this is how he saw his retirement years. I think he may have had all sorts of wonderful ideas about what he wanted to do. They probably weren't big, expensive ideas, but working in a restaurant cleaning off dirty dishes into huge bins probably didn't help him at all.