<prompt> Human: I am on track to become a doctor in the US with virtually no or minimal loans. It may be wishful thinking but many if not most of the academic doctors and professors I know never retire or fully retire and essentially die working happily. Is it naive to assume that will be me in the future, even if I think that that is what I want now?  <response>: Sometimes your body chooses to retire. Sometimes your employer chooses to have you retire and age discrimination prevents you from getting a comparable job. Always have a plan in mind. 