You know you don’t have to retire at 67, that’s just the age when you’re entitled to the pension. You fucked up or had some serious bad luck if your plan is retire on the pension. My mother-in-law is on the disability pension, she can just about afford her day-to-days bills, but anything unexpected we need to take care of it.

Assuming you aren’t a baby boomer, your superannuation should be enough to retire on, and at the moment you can get access to it at 60.

If you have built up a level of wealth that doesn’t rely on pension or super you can retire whenever TF you want.