You're accidentally tapping into the problem here. Wealthy Americans can and often do retire very early, enjoying decades of comfortable retirement. That is made possible by the people who break their bodies for very little pay and who get little or no opportunity to retire at all.
It's pretty bad everywhere. But in the US it is especially obscene, thanks to the lack of universal healthcare and the enormous disparity between pay at the top and bottom, and the leaky to non-existent safety nets.
I don't know how you manage to grasp half of that picture without apparently even realising that the rest of it must exist.