I think this varies wildly from person to person. I've also intentionally gone long stretches without working and those are the times when I've had a dramatically increased sense of purpose and fulfillment. Working for others reduces those things for me.

I'm in the age group where a lot of the people around me have retired. Some of them have fared very poorly, some have straight-up blossomed.

Ok but one of the great things about retiring when everyone else does is you have a community. If you stop working when you're young, everyone else in your network is probably still working.

I'm not against early retirement. One of my points was that, in general, it's harder to find fulfillment as a working age adult outside of work. Not impossible, just more challenging.