I've always thought about this. Money is like a spirit, it vanishes as quickly at it comes. The truth is, the bigger your income, the bigger your expenditure. So even if you think that a million dollars can solve your life's problem, most time it's not true as it is the beginning of your life problem especially if one is not financially smart. The money you earn is even difficult to control not to talk of the one we didn't work for
I think that if one keeps working regardless, the effort of working keeps some of the issues in check, as there is still the sense of doing something to earn. I don't understand retirement :D