Exactly, if got enough money can retire at any age you want. 65 yo is just the ceiling age for retirement, not necessary to follow and work until 65. So what’s the point of this topic ah?

Exactly that’s my point. Doesn’t matter what’s the retirement age ceiling, it depends on your money to fund the rest of your life hence I am questioning the logic of the topic where you shouldn’t retire at 65 as your quality life is taken away but if no money don’t talk about quality of life leh, staying alive is already a challenge.