Kissmysquirrel,
What Limits makes the point better than I. I would add that, in common with many workers who do not enjoy a "final salary", "index linked" pension, retirement now would leave me struggling if I did not have alternatives to rely on. That is precisely why the government is encouraging everyone except pilots to retire later!
Have you asked any employers in the industry where they will replace my generation of pilots from? There is plenty of room for the younger guys who can do the job but there is a very real shortage of pilots of any age which worsens year by year.