There in lies the critical difference. The really successful people in their respective fields (whatever it may be) can afford to retire early/young, but most dont. Because they are not after money anymore. To these people, it could be sense of duty, sense of responsibility or simply they love what they do. They will take on consultant or advisory roles as they reached their 60s, but still very much plugged in into their respective fields.

On the other hand, we have people who dont know any better, advising people to retire on very limited funds, giving up their HDB flats, and focus on dying in their 60s. Such negative and pessimistic thoughts are ultimately self fulfilling. Such people are also abusive and hard to help.

And then there are the negative effects of retiring young. We can already see people who retired young wasting their time looking out of windows and developing an irrational fear of peak hour traffic.