If you have declining physical or mental health financial planning will not make you better. My phylosophy is why stash money away for a day that may never come? I will work until my body won't let me, hopefully I don't die on a mower as I don't think my customers would appreciate that very much. As for being financially well off to "not retire" but find another job, what does that mean? I love what I do, so I'll agree that being stable with finances is one thing, I will never stop working and this will be something I pass one to my kids like my father did for me. No matter what they choose to pursue in life.