I think it's too bad that some of the systems in place actually discourage people from earning more money. Even on Social security, if you earn above a certain amount, they start deducting from your SSI check - as if it isn't small enough already!
I'll probably want to keep working at something all my life too. I think it keeps your mind young. My dad retired at 55 and went into public service-all volunteer positions- for the next 25 years. Now he's over 80 and getting off all the volunteer positions and he doesn't know what to do with himself.
I don't worry about outliving my money as that really doesn't do any good-lol. My husband and I are trying to downsize now that our last daughter is finishing college, so we can live on his military retirement, plus whatever supplemental income we can bring in.
Like I said tho, once you start taking SSI, it discourages you from working anymore, or making too much money.