30% of Americans who die before 65 includes infant mortality, childhood death, young adult death, etc. In other words: the longer you live, the more statistically likely you are to live well beyond 65
There is no set as retirement age, retire at the age you like.
QUINNSCOMMENTARY 
Now that you mention it…
“…the study shows that in the U.S., the richest 1 percent of men lives 14.6 years longer on average than the poorest 1 percent of men, while among women in those wealth percentiles, the difference is 10.1 years on average.”
“Things like Social Security aren’t going to be as redistributive if the richer people are getting paid for 10 more years than the poorer people,” she says.
“…researchers are quick to point out that the findings cannot immediately be reduced to simple cause-and-effect explanations. For instance, as social scientists have long observed, it is very hard to say whether having wealth leads to better health — or if health, on aggregate, is a prerequisite for accumulating wealth. Most likely, the two interact in complex ways, something the study cannot resolve.”
(https://news.mit.edu/2016/study-rich-poor-huge-mortality-gap-us-0411)
………………….The article doesn’t mention it, perhaps the study does. I assume* the study calculates life expectancy AT BIRTH, rather than at age 60. That would make their findings even more ambiguous.
*that word again
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I really enjoy your missives on “How Uninformed and Lazy thinkers…” Smith Smallwood
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Life expectancy calculations have fooled more people than any other math problem. I wouldn’t call it the lazy thinker, more of the uninformed. That I put at the feet of our expensive government school system. The government school system has kids for a mandated 13 years or 14 if you get stuck in the pre-k year and still they don’t know what years WWII occurred or how to calculate gas mileage on their car. They can’t read cursive or tell time with the hands on a clock. So yeah, life expectancy is also a complex problem.
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