Not an issue in most countries.
I wonder if the statistics for developed nations would show that early retirement is less common in the USA? If so, I would imagine that health insurance is a major cause, although there are of course other factors to consider such as availability of pensions and various social pressures.
"To know what you prefer, instead of humbly saying Amen to what the world tells you you ought to prefer, is to have kept your soul alive". Robert Louis Stevenson, An Inland Voyage (1878)