"The Millionaire Next Door" analyzed this, and found that medical professionals (among others) often come from high spending UAW families, run up a big debt at a university with lots of high spending UAW peers, become lifetime friends with many high spending UAW's, and end up living in "look at me, my house/car/stuff is better than yours!" neighborhoods. They're trained and massaged to live the high spending, high credit, high life.
As a function of that, they're unable or unwilling to step off the hamster wheel (maybe its a beaver wheel?) and retire.
Hey, maybe thats the way to do it...take on a few million in debt, live a millionaires life, and when you're 70, step in front of a bus.
My dentist brought back an old retired partner last year. Guy looks to be in his late 60's/early 70's. Every time he gives me a checkup he asks leading questions designed to help him launch into a monologue about how many airplanes he's owned, the huge one he just bought, the ferrari his surgeon son just bought, or the five figure vacations his family takes together every year. Apparently once the money tap turned off on retirement, he wasnt able to turn down the spending jets. So back to work sticking your fingers into peoples mouths...
I wish I had some headphones or something...