The way your question is written is awkward. There are plenty of people who are 65 who cannot afford to retire. Many people have lost their pensions due to company closings, financial reversals, etc. on the part of their employer. Likewise their personal investments have tanked. I have twice lost almost 50% of my investments during the last 12 years. As the age for Social Security continues to go up, more and more people will not be able to afford to retire. Wanting to retire and being able to retire are two different things.
I work with someone who is 68 years old and still going strong. He and his wife have a middle school aged child, and he cannot afford to both retire and put their child through college. You would not guess that he’s 68; he seems about 10 years younger.
My neighbor is 86, and while retired, she volunteers 40+ hours a week at about 5 different causes. She might as well be working full time.
I know several people in their late 50’s who retired from state or city government, drew their pension, and then were rehired by the state or city government at ¾ time a higher salary than they were earning before they retired. They are now both working almost full time and drawing their retirement benefits.