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[Oldandeasilyconfused]

If I work too much, I won't live long enough to enjoy retirement.  

You say that, but back in the '80s I used to work 60 hours a week, with a 9 month stint at 72 hours a week. I fully expected to die slumped over my desk, especially since my family has a penchant for dying at 58 or less years old, with few exceptions. I retired at 62, and I'm still kicking at 69. Don't sell yourself short, especially if you're not doing things that caused your predecessors to die sooner. In my family's case, it was tobacco.

Well done. A new form of super was introduced to the Federal public service in the late 80's. I immediately switched because I could access it as  pension, lump sum or a bit of both. Plus immediately doubled my contribution because the government matched them dollar-for-dollar . I thought the scheme was very generous.  Apparently so did some bean counters, the scheme was abolished after less than ten years. Those who had subscribed kept all benefits.

As fate would have it, I worked with a bloke who had written a couple of books on Commonwealth Super. I listened to him. As a direct result of his advice, I was able to' take a package' at age 51. That's officially involuntary redundancy, but it's not really. They just let people express unofficial interest when they need to lose a few bodies. That way no one is ever made redundant  involuntarily. It meant full super and for me, over a year's salary (tax free) on top. That was in March 1999, so as of now I've been retired for just over 22 years.   A few minutes ago I went outside and smelled some of my roses.

Oh, I hated overtime so seldom did any. Not mandatory at that time. My view was and is that regular, massive amounts of overtime indicates either incompetence or a staff shortage. In my experience it was always the latter. Not my problem. No job is  worth that aggravation imo. Of course in the Federal Public service it's very hard to sack anyone, or it was. Today everyone is on contract, so they don't need to fire anyone. They jus decline to renew their contract.