My understanding is that early retirement is not someone's dream, the country could lose if many of them choose to retire early, unless: there are serious obstacles and problems faced by these users, for example, illness and other things, generally speaking, early retirement can have a bad impact on the country's economy, where they have to re-recruit employees to be hired, recruiting new employees drains a large budget for each recruitment.
As you said below is correct.
as long as you can still make money, don't even think about retiring early, I know early retirement is everyone's dream but who knows what will happen next, you have to maintain your grades and productivity so that you stay healthy and respected by people.
By maintaining good work values and activities, it will have a positive impact on users and the country itself. Early retirement can be detrimental to the country as a whole from an economic perspective.