Retirement or Independence
Fundamentally, consumers should aim for financial independence by the age 45 or 50. This means they have sufficient funds to live comfortably for the rest of their lives. It does not mean they need to retire or will retire.
They might be pleased doing the jobs they are doing. They may decide to pursue their dreams, whatever that might be. The point is that they can make these decisions and not worry about saving enough money when they stop working. How do they do that?
Start saving and investing as soon as you begin working. Invest at least 10% of your income, manage it, and reinvest the dividend and interest income. Let it grow, and if you do an excellent job at saving and managing, you will reach financial independence by the time you are 45 or 50.
By all means, keep working if that is what you need to do. The important thing is you can decide on your next career or lifestyle without worrying about earning money.