‘I’m experiencing issues with arthritis’: I’m 68 with $3 million saved. Why am I not ready for a life of leisure?

Financial Situation - The individual has a total savings of $3 million, which includes $1.6 million in pretax retirement accounts, $750,000 in a Roth account, $700,000 in brokerage/cash accounts, and $60,000 in Health Savings Accounts (HSAs) [3] - The individual can draw $4,300 a month in Social Security if retiring at 69, or $4,765 if delaying until age 70 [3] Retirement Planning - The original plan was to work until age 69, perform Roth conversions, and delay Social Security until age 70, but concerns about Social Security sustainability have prompted reconsideration [5] - Questions arise regarding the mechanics of Social Security increases and eligibility for the spouse in case of premature death [6] Lifestyle Considerations - The individual expresses a psychological reluctance to retire, indicating enjoyment in their work and a desire to maintain an active identity beyond employment [9] - The cost of living in North Carolina is manageable, which may influence retirement decisions [4]