While it may sound counterintuitive, numerous studies indicate that rich people tend to put off retirement longer than the less well off.
The superaffluent are the ones who can best afford to sleep in and kick back, of course. But they don't.
"In general, they love what they do, so it's not really work," explained Steve Siebold, a self-made millionaire and author of the 2010 book "How Rich People Think."
"It's so much fun, they don't want to stop."
Mr. Siebold, 48, who made his money on his book and by developing what he called a mental toughness training program for corporate sales teams, started interviewing millionaires some 30 years ago after meeting one by chance as a college student.
The idea wasn't to collect fodder for a book, he said, but to figure out how to get rich.
"I just wanted to have money," he said.
Mr. Siebold said he's conducted some 1,200 interviews with rich people, mostly through referrals, and mostly by agreeing to keep their names confidential.
The Palm Beach, Fla., and Lake Lanier, Ga., resident said he's met millionaires who are retired, but found that generally they're not happy.
"They're out of the game. The phone isn't ringing. They don't have contacts like they did," he said. "They get bored.
"Most millionaires I know have no plans to retire."
Leaving the working world often is harder for wealthy people because their identities often are more closely tied to their successful career than their home life, Mr. Siebold said. And people who start their own companies often have an emotional attachment to the business that's hard to break.
While Mr. Siebold said the secret to becoming rich is to do what you love, he said that's still not enough.
It's also crucial to focus on "where the money flows."
"Many people have sold more books than me, but I made millions selling them because I sold them at a premium price," he said.
"The point is, do what you love but focus on where the money is in what you do. If you aren't making money one way, do it another way."
Patricia Sabatini: email@example.com or 412-263-3066.