The number 1 factor in determining a potential retiree's lifestyle is currently healthcare cost.

If healthcare cost are under control and stable then it's easier to plan for retirement.

If healthcare cost are spiraling out of control then most likely one must postpone retirement as long as possible.

Obamacare was rammed through as a last ditch effort to keep the last segment of baby boomers working as long as possible.

They know once this group retires and starts drawing it's promosed benefits from SS and other programs that the
house of cards that's currently glued together with
spit will collapse.

They've been cooking the books but once the vacuum of
these promised benefits kicks in the system will
collapse on itself.

cue bill paxton.