Many pilots simply won't have decent pensions because their companies won't make reasonable arrangements, especially for contractors, and with the current cost of living, many have family commitments that tie up their income preventing significant personal schemes. So, most pilots simply won't be able to retire early. Remember that the UK has announced a state pension age of 69 already, so there is already a big problem for many who will retire at 65, never mind earlier.
Given that historically it used to take donkeys years to get into the lhs of a jet and quick commands are a relatively new phenomenon, isn't it a little bit rich for FOs to be whining about skippers being selfish by continuing to work and not giving said FOs their positions and pay? As for demanding that current captains have to retire early so that the complainant can also retire early, it smacks a little of hypocrisy, to be honest...