In Bloomberg Business Week, Allison Schrager presents the compelling arguments for remaining in the workforce as an employee or self-employed beyond 65.
First of all, we need less for official retirement because there won't be so many of those years to fund.
Second, the longer we put off receiving Social Security the more we receive. There is a major difference in monthly payment between opting to start benefits at, say, 66 versus 71.
Here is the BBW coverage.
Also, in my experience, money attracts money. I have no intention of retiring. My health is good. I have been able to keep up with technology enough to serve clients' needs. That mindset and my energetic behavior have been bringing in lucrative accounts.