I think I am the opposite of completionist. I start quite a few families, get attached, maybe have one of the elders retire, start a new generation, then move on to the next new family. Eventually, I will go back to the first, come up with a new plan and kind of take it from there. I do have a retired sim that I let pick her retirement, she retired, passed away, I brought her back with ambrosia and now she is at it again, can't seem to let her go.
I have also had them work until they passed away, in fact I had one sim, come out of work at the towers and the computer panned over to him and the grim reaper came. I think they are happy working when they are elder, for the most part anyway. So many options to take into consideration, there are so many things for them to do when they do retire since we have ambitions now.