Let's be very clear of the possible scenarios here, as the posts advocating early retirement seemed to ignore the different circumstances. Blindly advocating early retirement is irresponsible because there are people who could be influenced to call it quits without due planning resulting in dire consequences to their future including those of their family members.

A person who have amassed millions (anything above $4m) could afford to retire by 50, especially without children or grown children. The savings could possibly last the distance.

A person with savings below that amount, and some more with ill health may be in a difficult position. Retiring early presumably to restore his health may work against him. When you quit, you immediately lose the medical benefits provided by the company. This means he has to bear all medical expenses himself. It will add more stress on him and the family as the money gets depleted to pay his medical expenses. Not only that, once you quit, it is not likely any other company will employ you because of your medical history. So think very carefully here.

A person who amassed millions and continues to work. For this case, no need to worry about him. This kind of people enjoys their work. Accumulating wealth is added bonus. What happens to the money when they die? It will either go to their children, relatives or welfare. Someone will benefit, so not to worry. By the way, people like them also know how to enjoy themselves with the money they earn while they work. Many of them collect pens, watches, gold bars, coins etc.. They derived great pleasure and satisfaction from them. And yes, these can be therapeutic as well. Good for mind and soul.