I’d argue that “retiring later” precludes any argument for short term loss for long term gains. Generally retiring earlier is the long term gain that you take short term losses for, retiring is a sign that things haven’t gone as well as planned.

It depends, as an individual I'd prefer it if I didn't have to retire however I'd also prefer it if I didn't need to work.

Retiring later could be a sign of longer health ( although I doubt that's the reality in this statistic ).

> Retiring later could be a sign of longer health

It's a sign that you didn't manage to save enough in time. Soon retirement age will be over 70 pretty much everywhere in the west, nobody chose to work at that age for fun and giggles

Sadly, US lifespans are actually shrinking too. So we’re retiring later and dying earlier, which is less than ideal.