Short story synopsis: Mentally, it is better to work [...]
Jim, I'll even argue that point... (I like to argue!)
Mentally it is better to work only if it's the right job for you. I can't imagine a factory working doing the same repetitive thing for 8 hours is any better working than just watching TV. As in my case, even a creative job can be a mental/emotional issue.
Working
can be mentally better than retirement, but it isn't necessarily.
This comes back to what I said about actively managing the transition from employment to retirement. Generally speaking you have more options, more flexibility, and often more energy in your retirement. If you take advantage of that, you can be better off in retirement. But if you just let yourself react and be driven by circumstance, you might very well be better off continuing to work.
I don't intend to be let my life drive me, so I fully expect to be better off (both physically and mentally) for the increased flexibility retirement will give me.
And I'll add that for some people, actively managing their retirement might involve taking another traditional job, but as a means of getting stimulation and exercise. There is a big difference in a job you choose to do, versus one you feel you have to do.
Hmmm, I think we're a little off the "5.0 floor plan" topic here...