I thought you not the worker set out his retirement time but the employer. And all countries government have their retirement date for all their workers. And that is why those who joined the civil service work retired late in the old age. Those who joined late sometimes work till at the age of 70s but normally I'm my country retirement age is 65 years. Because at time your not smart again so you are to rest and receive your retirement benefits at home. And they was a time the government was planning to reduce the years and I don't k ow if they have reduced it to 55 years because I am not part of them so I won't know.
You can only spelled out your retirement age if you are self-employed and not working for anyone because the person must have a say over you.
As a civil servant, you shouldn't wait until the statutory age of retirement before you decide to leave service. I wouldn't expect that I will keep working hard until I get to seventy. Even as a government worker, one can set up plans on how to retire early before the age of retirement. Most civil servants who achieve this are those who have investments that give them enough income to survive. I know many civil servants who left the service to go into business this is because they are well aware that the gratuity and pension will not be enough to pay their bills when they retire.
Indeed retirement is a choice but in addition
While it is technically possible for someone to retire early without a proper plan, it is generally not advisable. Retiring early without a solid financial plan in place can lead to financial difficulties later on, as you may outlive your savings or not have enough income to sustain your desired lifestyle.
It is possible for someone to retire without a plan and this has been the case of many people. Such people don't have savings or investments because they have no plan for it. Countless people mismanage their income by wasting it on liabilities. But they end up becoming broke and start living beggarly lives. I don't really need to go to a financial expert to get investment advice; the internet has enough information to guide me.