I think any day and any time the issue of retirement should be individual dependent,that is based on parspective, because some persons are still very active at 65 or having spent 35yrsin ser vice.Most western countries now have negative population growth meaning that there will, in the future, be fewer people working. Furthermore retired people are living longer. This means that while the number of workers is decreasing, the number of retired people is increasing. As a consequence some countries have proposed raising the retirement age to seventy or more. What do you think of this? If this happens where you live, how would you work to shore up your retirement options?