I would also consider just choosing the middle ground and take the pension, retire half time. If that’s doable within your country’s framework.
Less work, and you can potentially choose the work depending on how you do this, which can make it even more enjoyable in addition to having less hours. You’ll get to supplement the pension with a bit of income, you can perhaps even choose to live more frugally for a few years to get some extra investments going that you only touch on emergencies, but otherwise will hopefully get large enough to fight back on the inflation.
But if it was me, I’d just retire. No telling what the world will look like in a few years, nevermind 20. Even if you kept working, there’s no guarantees things’ll get better, maybe entire economy collapses and all that work has been for nothing. Or maybe the humanity collapses, you know.
I’d take all the free time I could muster and spend it as much as practical, on nice enjoyable things and family and friends.
This has to be a joke, right? But the .gov domains are reserved in us for actual government agencies, right? So what the fuck