But if we're talking upper-middle-class-and-higher where we can assume they have decent options for that into retirement... I don't think there's nearly as much that really moves the needle enough to let them work a lot less short of "move to places in much lower demand"? Like "retire 10 years earlier and then go somewhere dirt cheap" seems about the only option, unless it's a larger societal change so the jobs move with the people to the dirt-cheap places, like what happened with the move to the Sun Belt in the US in the latter half of the 20th century but which isn't happening now in the US.

Maybe remote work will stick for enough people that that can happen again, but I don't see great signs of decentralization yet...