[sgh]

I have considered early retirement many times even in my early 50s because I have set aside enough to do so, but I am hesitant to give up on my current salary, human interaction at the office as well as fear boredom and cognitive decline from inactivity.   

Becuz you lack creativity to find things to do in you retirement life hence cognitive decline from inactivity. I already plan for my own retirement life and I shall go for daily swim instead of weekly swim. Buy ActiveSG swim pass $10 per month unlimited visits. That is only swimming still got my cycling etc. So you are limited by your own creativity how to keep yourself enriched in your elderly years. So yes then you better keep working and keep feeding until you lie dead and your offspring take your monies to shiok and happy.