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This 81-year-old still works at Home Depot to support herself and her 90-year-old husband
(www.businessinsider.com)
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https://en.wikipedia.org/wiki/History_of_retirement
Looks like it was just for those who served in the military, what did other people do?
What did they do before 1881? Just keep working?
Usually, they died well before, or lived in wealth from the remaining wealth.