• More likely it was a combination. The stock boom from like 2010 to 2020 was huge. So many people were already in a good position. Then COVID was the extra push. Lot of people stay working out of momentum. Then you add changing business, who at that age is going to reinvent themselves if they do not have to. Add to that employers not treating people very well anyway.

    I retired just before the pandemic. Just my observation based on my personal experience.