I have noticed this with some of the people I work with. I think they honestly could have retired financially a few years ago, but kept working so buy one last new boat, and vehicle to enjoy in retirement. Hopefully they can eventually walk away and not fall into the one more year trap.
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That's true. The regular pay check can be rather comforting and i know of a couple of people who say they would feel lost without it, so they work as long as they can, even if they don't need to.