People from my mother's generation often started working when they were just 16. So when I see someone talking about them retiring at 65 it's important to keep that in mind.

This is an oft-quoted phenomenon, but I think it's important to point out it need not be true. We've had chronically weak demand, in which case more retires should actually be good, raising wages and spurring productivity improvements.

In the US, just need to keep healthcare costs under control.

Calling 65 years old early retirement is insulting...